Small Business Retirement Plan Options

Offer a Retirement Plan that Helps to Attract, Retain Employees — and Take Advantage of Tax Benefits


Whether you’re running your own business as a sole proprietor or have a staff of any size, consider a SEP-IRA (Simplified Employee Pension-IRA). Similar to a Traditional IRA, but with higher contribution limits, this plan type allows you to leverage tax-advantaged investments for yourself and your employees.


If you employ fewer than 100 employees who earned $5,000 or more in any two years prior and who are expected to earn at least that much this year, consider a SIMPLE (Savings Incentive Match Plan for Employees) IRA. An alternative to the traditional 401(k), this plan type is easy to open and run, has low costs and fees, and all funds accumulate on a tax-deferred basis.

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