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401(k) Plan Basics

What Happens to Your 401(k) When You Change Jobs?

Employer Responsibilities & Compliance

401(k) Plan Testing Explained: ADP, ACP, and Top-Heavy Rules

Employee Financial Education & Retirement Planning

How to Improve 401(k) Participation Rates Among Employees

Advanced 401(k) Strategies & Special Topics

401(k) Auto-Enrollment and Auto-Escalation: Should Your Plan Include Them?

Simple, Turn-key Pricing

A 401(k) plan benefits you and your employees with attractive tax benefits and no-stress administration.
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How much is a 401(k) plan?

With attractive tax benefit, adding a 401(k) is more affordable than you may think.
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401(k) Calculators

From retirement preparedness to employer matching costs, explore our calculators and learn the benefits of a 401(k) plan.
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401(k) Calculators

Retirement Score

Find out if your retirement account is on the right path.

Catch Up Contributions

For 50+ measure the impact contributions can make.

401(k) Match Costs

What's the cost of incentivizing employees?

Required Min Distribution

At age 73, be prepared to take an RMD.

Estimate Your 401(k) Plan Costs

The benefits of establishing a 401(k) far outweigh the cost. Discover how affordable a plan is today.
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By answering a few quick questions we can design your 401(k) plan.
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Solo 401(k) Plan

Maximize Savings as Employer and Employee

Designed for self-employed professionals, freelancers, and owner-only businesses, a Solo 401(k) offers unmatched tax advantages and the ability to contribute on both sides—without the complexity of traditional plans.

Design Your Plan
Designed for

  • Consultants

  • Influencers

  • Real Estate Professionals

  • Solo Practice Attorneys

  • Gig Economy Workers

  • Freelancers

How a Solo 401(k) Stands Apart

By contributing as both employer and employee, Solo 401(k) participants enjoy higher savings potential and simpler management.

Higher Contribution Limits

Solo 401(k) participants can contribute up to $77,500 annually*, combining employee deferrals and employer contributions.

No Nondiscrimination Testing

Unlike traditional plans, a Solo 401(k) bypasses annual testing requirements, saving time and reducing complexity.

Lower Administrative Costs

Designed for simplicity, a Solo 401(k) avoids many fees associated with larger plans.

Solo 401k Benefits

Enjoy Full Control, High Savings, and Lower Taxes

A Solo 401(k) gives you control to maximize contributions, reduce taxes, and simplify administration—without the complexity of group plans. Include your spouse to boost household savings even further.

  • Maximize Contributions

    Save significantly more each year than many other retirement vehicles, boosting long-term growth potential.

  • Retain Tax Advantages

    Contributions may reduce your taxable income, freeing up cash for reinvesting in your business.

  • Simplicity in Administration

    With only one participant, you won’t get bogged down in complex group plan rules.

  • Spousal Inclusion

    If your spouse earns income from the business, they can also participate for even higher household contributions.

Expert Administration from Setup to Compliance

Relieve administrative burdens, ensure compliance, and deliver exceptional participant experiences with tailored solutions for your needs.
Plan Design & Guidance

Craft retirement plans that align with your business objectives, offering tailored solutions to maximize tax benefits, employee participation, and compliance.

ERISA Compliance Oversight

Stay ahead of ERISA regulations with expert oversight, ensuring your plan is compliant, risk-mitigated, and structured to protect both your business and employees.

Form 5500 & Compliance Filings

Ensure seamless completion of essential filings, including Form 5500 and annual compliance audits, to keep your plan in good standing and avoid costly penalties.

Administrative Management

Offload the burden of plan administration, including contribution tracking, distributions, and day-to-day compliance, so you can focus on running your business.

Plan Monitoring & Optimization

Optimize plan performance with proactive reviews, adjustments for regulatory changes, and benchmarking to stay competitive and in compliance.

Non-Discrimination Testing

Handle complex compliance testing, including ADP/ACP, top-heavy, and coverage testing, to prevent IRS penalties and maintain a fair, compliant plan.

Plan Design & Guidance

Craft retirement plans that align with your business objectives, offering tailored solutions to maximize tax benefits, employee participation, and compliance.

ERISA Compliance Oversight

Stay ahead of ERISA regulations with expert oversight, ensuring your plan is compliant, risk-mitigated, and structured to protect both your business and employees.

Form 5500 & Compliance Filings

Ensure seamless completion of essential filings, including Form 5500 and annual compliance audits, to keep your plan in good standing and avoid costly penalties.

Administrative Management

Offload the burden of plan administration, including contribution tracking, distributions, and day-to-day compliance, so you can focus on running your business.

Plan Monitoring & Optimization

Optimize plan performance with proactive reviews, adjustments for regulatory changes, and benchmarking to stay competitive and in compliance.

Non-Discrimination Testing

Handle complex compliance testing, including ADP/ACP, top-heavy, and coverage testing, to prevent IRS penalties and maintain a fair, compliant plan.

Get Started Today
Affordable Plan Management

Investment in Your Team and Business

Offering a 401(k) plan is a powerful tool for retention, tax savings, and long-term stability.
Pricing Details

Plan Calculator

i
A W-2 employee meeting age and service requirements for plan eligibility.
i
Employees earning $155,000+ (as of 2024) or owning more than 5% of the company—classified as Highly Compensated Employees (HCEs).
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Monthly
Annual
Administration
$125
/month
+
$5
/month
Per Participant
2025
2026
401k Plan Cost
Annual Tax Credit
Net 401(k) Plan Cost
Employees with a 401(k) are 40% less likely to leave their job.
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$1200
20% Discount
/Year
Recordkeeping & Admin
+
$5
/Month
Per Participant
2025
2026
401k Plan Cost
Annual Tax Credit
Net 401(k) Plan Cost
Employees with a 401(k) are 40% less likely to leave their job.
Get Started

Let's Design Your Plan

Answer a few quick questions about your business. We'll build a preliminary design, then finallize it together.
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