Retirement Plans Tailored to Your Business

Low-Cost 401(k) Plans for Small Businesses

Join over 5,000 small businesses already saving for retirement. With Employee Fiduciary, enjoy transparent pricing, expert support, and custom designed retirement plans.

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Retirement Plans Tailored to Your Business Needs

We offer a variety of retirement plan options to help you provide meaningful benefits to your employees.

401(k) Plan

Provide a low-cost, straightforward 401(k) plan that supports your employees’ retirement goals, with expert guidance and flexible investment options.

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Safe Harbor 401(k) Plan

Simplify compliance with a Safe Harbor 401(k), ensuring you meet regulations while offering a valuable benefit to your team.

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Key Features

Designed to Support Small Business Growth

Running a small business is complex enough—your retirement plan shouldn’t be. We deliver premium features and expert support, with straightforward, transparent pricing.

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Personal Care

Your business deserves a partner that understands your challenges. Our relationship managers provide personalized guidance, making it easy to manage your 401(k) plan confidently.

Streamlined Administration

We handle the heavy lifting, from recordkeeping to compliance testing, so you can focus on growing your business and supporting your team without getting bogged down in paperwork.

Custom Plan Design

Your employees are your greatest asset, and we help you offer a retirement plan that fits your team’s needs and your business goals. Customize features like employer contributions and investment options.

Flexible Investment Options

Access nearly 30,000 low-cost funds, including Vanguard and ETFs, with zero hidden fees. Choose a financial advisor or target date funds for investment advice.

Payroll Integration

Seamless payroll integration with your 401(k) plan allows you and your employees to more safely and securely save for retirement.

Simple and Affordable 401(k) Plans

Starting at

$1,500 annually

Annual fee covers up to 30 eligible employees

Custody fee 0.08% of plan assets

Includes all record-keeping, third-party administration, and custody services

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Resources for Your Small Business

From understanding 401(k) tax benefits to comparing plan costs, our free resources are designed to help you make informed decisions and get the most value from your retirement plan.

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See how our transparent pricing compares to other providers.

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Retirement Resource Center

Access a wide range of expert articles and resources to help you understand and optimize your 401(k) plan.

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401(k) Tax Credit Calculator

See how much your business can save with tax credits when starting a new 401(k) plan.

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Frequently Asked Questions

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Have Retirement Plan Questions? We Have Answers

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.

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.

A Simple Guide for Meeting 401(k) Fiduciary Responsibilities

Meeting 401(k) fiduciary responsibilities does not need to be scary or time-consuming for small business plan sponsors. Following some simple guidance is the key.