Exciting News — Cindy Dash Joins Employee Fiduciary as President

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401(k) Tax Incentives for Small Businesses
The tax benefits of a 401(k) plan can be substantial. Explore the tax incentives available to small businesses.
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Retirement Plan Built for Businesses

Flexible 401(k) Plans for Small Businesses

Founded in 2004, Employee Fiduciary is a full-service 401(k) provider. Our services are designed to make plan administration transparent and stress-free for business owners. 

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Turnkey Services

All the Bells and Whistles Without the Extra Fees

Benefit from all the perks, none of the hidden fees. Our services combine personal care and expert guidance with technology from industry leaders, all for a straightforward and honest price.

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Dedicated Relationship Manager

Get a single point of contact who understands your business and provides fast, personalized support.

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Hassle-Free Administration

We handle compliance, reporting, and day-to-day plan management, so you can focus on growing your business.

Reliable Recordkeeping

Our recordkeeping software from FIS Global ensures accuracy, automation, and a seamless online experience for you and your employees.

Secure Asset Custody

Your plan’s assets are safeguarded by Matrix Trust Company, providing expert fund management and security.

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Custom Plan Design

We tailor plans to fit your business goals and employees’ needs, ensuring a retirement solution that works for everyone.

Broad Investment Choices

Access nearly 30,000 share classes from 377 fund families, including low-cost options like Vanguard, index funds, and ETFs.

Simple and Affordable 401(k) Plans

Starting at

$1,500 annually

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Annual fee covers up to 30 eligible employees
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Custody fee of 0.08% of plan assets
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Includes all record-keeping, third-party administration, and custody services
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Payroll Integrations
We integrate with top payroll providers to automate contribution processing, eliminating manual data entry and reducing errors. Need help getting started? Our team is here to guide you every step of the way.
QuickBooks Online Payroll Paylocity
Paychex Flex Justworks
TriNet Rippling
Paycor Paycom
Sequoia One UKG Ready
Run Powered by ADP Workday
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Plan Options

Customizable Options for Your 401(k) Plan

Create a retirement plan tailored to your unique business needs.

Safe Harbor Contributions

Profit Sharing Contributions

Roth Contributions

Participant Loans

Self-Directed Brokerage Accounts

Estimate Your Savings

Tax Credits for Your Business

If you’re looking to start a new 401(k) plan, use our free tax savings calculator to estimate how much a plan will cost you annually For more details on tax credits read our guide.

How many employees do you have?

Include business owner(s)
Tax credits are limited to 100 or less employees

How many of your employees are HCEs?

You cannot have more HCEs than employees

Will you make an employer contribution?

Will your plan offer automatic enrollment?

Number of employees making over $100,000

Include business owner(s) and HCEs
Must be less than the number of total employees.

Estimated Annual Contribution

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Year 1
Year 2
Year 3
Year 4
Year 5
401(k) Plan Cost
$2,000
$1,500
$1,500
$1,500
$1,500
Employee Fiduciary Fee
$1,500
$1,500
$1,500
$1,500
$1,500
One-Time Startup Fee
$500
$0
$0
$0
$0
Employer Contribution
$0
$0
$0
$0
$0
Tax Credits
$3,750
$3,750
$3,750
$0
$0
Startup Credit
$3,750
$3,750
$3,750
$0
$0
Auto Enrollment Credit
$500
$500
$500
$0
$0
Employer Contribution Credit
$0
$0
$0
$0
$0
Cost After Credits
$0
$0
$0
$1,500
$1,500
401(k) Plan Cost
$0
$0
$0
$0
$0
Tax Credits
$500
$500
$500
$0
$0
Total Estimated Savings:
$5,000
Ready to get started?
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Frequently Asked Questions

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Join Over 5,000 Small Businesses in Affordably Saving for Retirement!

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Have 401(k) Plan Questions? We Have Answers

The Benefits of a 401(k) Plan for Employers and Employees

The Benefits of a 401(k) Plan for Employers and Employees

When a small business offers a 401(k) plan, it’s often a win-win for business owners and employees. Here are some of the top benefits of these plans.

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Safe Harbor or Traditional 401(k) Plan – How to Decide

Safe Harbor or Traditional 401(k) Plan – How to Decide

Safe harbor 401(k) plans are the most popular type of 401(k) used by small businesses today, but they are not the best fit for every small business.

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Small Business 401(k) Tax Credits – SECURE 2.0 Updates

Small Business 401(k) Tax Credits – SECURE 2.0 Updates

Discover three small business 401(k) tax credits that can help lower the out-of-pocket cost of starting a small business retirement plan. Plus, read the latest changes due to SECURE 2.0.

Read More