SMALL BUSINESS SEP IRA
Ascensus SEP IRA for Small Businesses
A SEP IRA gives employers a straightforward way to offer retirement benefits. With low administrative costs, no employer tax filing requirements, and contributions that can be adjusted from year to year, it's built for businesses looking for a simpler retirement plan option.
Flexible employer contributions with a SEP IRA
One of the most notable features of a SEP IRA is flexible employer contributions. You decide how much to contribute each year, and when, with no obligation to contribute in a slow year and no penalty for contributing more in a strong one.
Who is a SEP IRA designed for?
Whether you're self-employed or have a growing team, a SEP IRA can provide a straightforward way to save for retirement and offer a workplace benefit. It may be a practical retirement plan for businesses with variable income, since contributions can flex up or down based on business performance.
It gives you a way to save for your own retirement and offer a benefit to your team, without many of the ongoing administrative requirements of a 401(k).
Benefits for employers
With a SEP IRA plan through Ascensus, employers can benefit from:
No plan fees at the employer level
Tax-deductible employer contributions
Flexible employer contributions
Fund lineups are selected by your advisor to fit your business goals
Access to all features
View the full list of plan design features and options available, download the Plan Sponsor Overview.
SEP IRA pricing
Transparent, predictable pricing, with no employer-level fees.
As of 03/09/2026
Pricing subject to change. Investment expenses not included.
Employer base fee
$0 per month
$0 One-time setup fee
Employee fees
$0-$10 per account annually based on assets
Why choose an Ascensus SEP IRA
A SEP IRA gives small businesses a straightforward, cost-effective retirement option without the complexity. A SEP IRA can help you:
Save for your own retirement as a business owner
Offer employees a retirement benefit
Keep plan administration and maintenance simple
Take advantage of potential tax credits for starting a plan1
Help attract and retain employees with minimal overhead
How to open a SEP IRA
Setting up a SEP IRA plan through Ascensus starts with a financial advisor, who can guide plan setup and administration and help you choose investments for your business.
An Ascensus retirement specialist can answer your questions and walk you through plan features, pricing, and next steps.
Complete the form, and our team will reach out within one business day. Need immediate assistance? Contact us directly.
Call our retirement specialists at 855‑537‑9555.
Are you an advisor?
Explore retirement plan options for your client.
Are you an employer without an advisor?
Explore additional small business solutions:
SEP IRA featuring Vanguard
SIMPLE IRA featuring Vanguard
1Tax credit availability and amount depend on eligibility requirements.
Before adopting any plan, you should carefully consider all of the benefits, risks, and costs associated with a plan. Information regarding retirement plans is general and is not intended as legal or tax advice. Retirement plans are complex, and the federal and state laws or regulations on which they are based vary for each type of plan and are subject to change. In addition, some products, investment vehicles, and services may not be available or appropriate in all workplace retirement plans. Plan sponsors and plan administrators should seek the advice of legal counsel or a tax professional to address their specific situations.