RETIREMENT BENEFITS

401(k) Plans for Small Business Owners

Retain employees and increase satisfaction.

Help Your Employees Achieve Their Retirement Goals While Reducing Business Taxes with Payroll Services in USA. Offering comprehensive payroll services in the USA allows you to support your employees’ retirement savings while also benefiting from tax savings for your business. By integrating retirement plans such as 401(k)s Simple IRAs, and SEP IRAs into your payroll system, you can provide your employees with tax-deferred growth opportunities.
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SECURE Act 2.0 is a Game Changer for Small Business Retirement Plans

Don’t miss out on these benefits:

Qualifying employers can receive up to 100% coverage for 401(k) retirement plan start-up costs, potentially saving up to $16,500.

Eligible businesses that make matching or profit-sharing contributions to their employee retirement plans may be eligible for an extra tax credit o up to $1,000 per employee. 2

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With the Backing & Expertise of the Nation's Biggest 401(k) Plan Provider

When You Launch a Small Business 401(k), You Can Help Your Employees Achieve a Better Future with Payroll Services in the USA

Our competitively cost, high-quality 401(k) retirement plan can assist business in retaining employees and increasing employee satisfaction. Create a 401(k) plan for your employees using our Payroll today.

Competitive and clear fees designed for small business budgets

Ease of use with one reliable source for 401(k) retirement plans and payroll-One platform and one provider.

Plan administrative support so you can focus on your business.

With the mobile app and web platform, you may access your small company 401(k) plan at any time and from any location.

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Simplify Beyond Payroll

Our Payroll online options for HR, benefits, taxes, and
payroll help small businesses and home employers save time and money.
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Health Insurance

Give your workers peace of mind and your company a cheap edge over the competition.

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401(k)

401(k) plans are a great way for businesses to save money on taxes and draw and keep good employees.

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Workers’ Compensation

Workers' compensation plans that make sense will protect your business and your staff.

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Small Business Retirement Plans FAQs

What are Retirement Services?
Retirement services include all of the services required during the life of a plan, which is especially important for businesses or organizations that manage numerous plans. These may involve plan design, investment, conversion, setup, enrollment, administration, and compliance testing.
Can A Small Business Have a 401(k)?
A small firm can have a 401(k). Offering a 401(k) retirement plan helps small firms recruit and retain employees.
How Many Employees Do You Need to Offer a 401(k)?
Small firms with one or more employees can provide 401(k) retirement plans; our Payroll is ideal for enterprises with one to 100 employees.
What is a 401(k) Retirement Plan?

A 401(k) retirement plan is a form of retirement account in which employees can contribute a certain amount of pretax or Roth (after-tax) dollars each pay period. Employers can also match a portion or all of their employees' tax-deferred retirement contributions or make a profit-sharing contribution, though these contributions are not required. A 401(k) plan is an excellent choice for entrepreneurs and small firms, especially because pension plans are no longer widely available and the future of Social Security benefits is uncertain.

Begin saving with our 401k® today and call a small business retirement plan specialist at 800 273-0020.

What Are the Different Types of 401(k) Plans?

Our 401k® provides popular 401(k) plan alternatives at moderate pricing, allowing you and your employees to save as much as possible.

Traditional 401(k) plans allow individuals to save for retirement through payroll deductions, while employers can make additional contributions to their employees' 401(k) retirement accounts. However, due to compulsory annual non-discrimination testing—developed to guarantee that 401(k) plans do not favor owners or highly compensated employees (HCE) over other employees—HCEs and business owners may face annual contribution limits.

Safe Harbor 401(k) programs offer the same benefits as standard 401(k) plans but avoiding annual non-discrimination testing. A Safe Harbor plan mandates a minimum annual employer contribution of 3%, which can be calculated using a matching formula or a predetermined amount.

Solo(k) allows owner-only and family-only firms to contribute the maximum permissible amount to a small business retirement plan while offering access to accrued balances via a loan option. Business owners and their spouses have access to the same benefits as regular 401(k) plan participants, including pre-tax and Roth contributions, as well as larger annual contribution limits than SEP-IRA or SIMPLE plans.

Each form of plan has its advantages and disadvantages. Businesses often adopt 401(k) plans because they are flexible and allow employees to invest more. A small business retirement plan professional can help you compare the various plan descriptions and determine which one is ideal for your company. Call us at 800 273-0020  today.

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Now That You Know Us, Simplify Your Business with Payroll Service in the USA”

Whether you choose to call us, begin the registration process online, or use our live chat for immediate assistance, our payroll service in the USA is designed to streamline your business operations. With our comprehensive payroll solutions, you can ensure your business runs smoothly, efficiently, and in full compliance with all tax regulations, making payroll management easier than ever.

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