SMALL BUSINESS RETIREMENT PLANS
Compare SEP IRA Options at Ascensus
Once you've taken that first step and decided a SEP IRA is the right solution, the next thing you need to do is choose a setup approach and support model that fits how you work. Compare Ascensus SEP IRA options and find the right path for your business.
More payoff and less paperwork with a SEP IRA
SEP IRAs offer meaningful retirement benefits without the complexity of larger plans.
Simple
Take advantage of minimal setup and straightforward plan administration.
Flexible
Decide each year whether to contribute and how much, within IRS limits.
Efficient
Avoid the fiduciary complexity and compliance requirements of a 401(k) plan.
Compare SEP IRA setup options
Compare available Ascensus SEP IRA solutions based on how you prefer to manage investments, receive support, and administer your plan.
Ascensus Essentials SEP IRA | SEP IRA featuring Vanguard investments |
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Work with a financial professional on plan setup and investment selections.
Explore advisor-supported SEP IRA options | Align your SEP IRA to a specific investment platform or fund lineup.
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Not sure which SEP IRA option is right for your business?
How to choose the right SEP IRA option
Choosing the right type of SEP IRA comes down to how you want to manage the plan and the level of support you need. Asking yourself the following questions can help you make a more confident decision.
Will you work with an advisor?
The Ascensus Essentials SEP IRA and similar options established through an advisor offer setup assistance and ongoing support.
Do you want investment flexibility?
Depending on the provider, an advisor-supported SEP IRA may offer greater flexibility across investment options.
Want to set things up yourself?
The SEP IRA featuring Vanguard investments offers an online setup experience that does not require a financial advisor.
What if questions come up?
If you think you might need help from time to time, consider a plan with a provider that offers dedicated support.
How involved do you want to be?
An investment-based plan like the SEP IRA featuring Vanguard Investments may give you more control over investment decisions.
Top questions about SEP IRAs
You can choose a SEP IRA that’s established through a financial advisor or a SEP IRA featuring Vanguard investments that you establish directly through Ascensus.
It’s helpful to start by evaluating the provider's support model, then look at investment offerings, plan administration experience, fees, and the overall employer experience.
You may want to consider how easy the plan is to set up and whether ongoing support will be available. Also consider how flexible the plan is and how the solution aligns with the way you operate your business.
Yes, you can always change your SEP IRA approach. As your business needs evolve, you may find that you need to adjust your approach or explore different retirement solutions, and you have the flexibility to do so.
There is no single best SEP IRA option for small businesses. What matters is what’s best for your business, based on how you want to manage the plan—whether independently or with guidance from a financial professional.
Yes, it is possible to have both a SEP IRA and a 401(k) depending on your circumstances, but IRS contribution limits and other rules may apply. If your business is growing, a 401(k) may offer additional flexibility and plan design options.
Why partner with Ascensus?
#1
Named Retirement Leader of the Year
With Intelligence Mutual Fund & ETF Awards1
#3
Overall customer satisfaction
JD Power Retirement Plan Digital Experience2
4.8
READYSAVE® app, rated 4.8 stars
Makes it easier for participants to manage savings3
Ready to establish your SEP IRA?
An Ascensus retirement specialist can answer any questions and walk you through plan features, pricing, and next steps. Complete the form, and our team of experts will be in touch.
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1Source: With Intelligence. With Intelligence Mutual Fund & ETF Awards. February 2026. https://awards.withintelligence.com/mutualfundandetfawards/en/page/2026-winners
2Source: JD Power. 2025 U.S. Retirement Plan Digital Experience Study. September 2025.
3Source: App store rating as of April 2026. Based on user reviews from the Apple App Store® and Google Play™. Ratings may change over time and may not be representative of all user experiences. Apple and Google Play are registered trademarks of their respective owners.
Before adopting any plan, consider the associated benefits, risks, and costs. Retirement plans are complex and subject to varying legal and regulatory requirements that may change. Certain products, investment vehicles, and services may not be available or appropriate for all workplace retirement plans. Plan sponsors should consult their own advisors to evaluate their specific circumstances.