RETIREMENT PLANS FOR SMALL BUSINESSES
Helping Small Businesses Make Retirement Benefits Simple
Compare retirement plan options designed for small businesses, get a clear view of costs, and find a plan that fits your business today and as you grow.
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Explore retirement plan options
Not every retirement plan is built for every business. These plans are designed specifically for small businesses, with options that help balance cost, flexibility, and ease of management—minus the complexity.
Start simple or choose a plan with more flexibility, depending on where your business is today:
SEP IRA
Designed for: Small businesses (of any size) and self-employed owners that want maximum flexibility year to year.
Adjust contributions year to year based on your cash flow
Keep administration simple with fewer ongoing requirements
Focus on employer contributions without managing employee deferrals
SIMPLE IRA
Designed for: Small businesses (with less than 100 employees) looking for an easy, affordable way to start offering retirement benefits.
Quick setup for small teams
Simple, predictable employer contribution requirements
Allows employees to save directly from their paycheck
Individual(k) plans
Designed for: Self-employed or owner-only businesses (with no employees other than a spouse) looking to maximize retirement savings.
Contribute as both employer and employee
Choose tax flexibility with traditional and Roth contribution options
Get support your way, whether you work with an advisor or not
Ascensus Essentials 401(k)
Designed for: Growing small businesses (with up to 75 employees) that want flexibility, higher savings potential, and room to scale—with or without an advisor.
Save more with high contribution limits
Offset plan costs with tax credits
Attract and retain talent
SEP IRA
Designed for: Small businesses (of any size) and self-employed owners that want maximum flexibility year to year.
Adjust contributions year to year based on your cash flow
Keep administration simple with fewer ongoing requirements
Focus on employer contributions without managing employee deferrals
SIMPLE IRA
Designed for: Small businesses (with less than 100 employees) looking for an easy, affordable way to start offering retirement benefits.
Quick setup for small teams
Simple, predictable employer contribution requirements
Allows employees to save directly from their paycheck
Individual(k) plans
Designed for: Self-employed or owner-only businesses (with no employees other than a spouse) looking to maximize retirement savings.
Contribute as both employer and employee
Choose tax flexibility with traditional and Roth contribution options
Get support your way, whether you work with an advisor or not
Ascensus Essentials 401(k)
Designed for: Growing small businesses (with up to 75 employees) that want flexibility, higher savings potential, and room to scale—with or without an advisor.
Save more with high contribution limits
Offset plan costs with tax credits
Attract and retain talent
Not sure where to start?
Find the plan that fits your needs.
Employer tools and resources
Everything you need to start and run your plan, all in one place.
Start your plan with confidence
Know what to expect, what decisions matter most, and how to stay compliant so you can move forward with clarity from day one.
Save time with payroll integration
Link your 401(k) to payroll and let contributions run on autopilot, reducing administrative work and potential errors.
Support employee financial wellness
Give employees tools and resources that help build financial confidence and keep them engaged.
Not sure which plan fits your business?
Tell us a bit about your business, and we’ll help you explore retirement plan options that fit your needs.
Prefer to talk it through? Call 833-893-3233 to connect with a specialist.