J.P. Morgan's Everyday 401(k) plans offer:
Low costs
Transparent pricing so you know what to expect and the possibility to receive up to $5,000/year in tax credits when you start a 401(k) plan, plus a tax credit for employer contributions of up to $1,000/employee.
Simple solutions
Set up and customize your plan online with the guidance of an assigned onboarding specialist.
Stronger retirement savings
Help yourself and your employees to plan, save and invest for the future with a trusted firm that delivers a suite of insights and tools.
Costs and fees
All 401(k) plan options come with an assigned client success manager, investment fiduciary services, a co-fiduciary to help with day-to-day running of the plan and integration with many payroll providers. Additional plan options are available.
Core - Safe Harbor Plan

Built for business owners who want to make an employer contribution.
$100 per plan per month
$6 per participant per month
- Easier plan administration
- Automated recordkeeping and plan testing
Choice - Non-Safe Harbor Plan

Built for business owners who want increased flexibility in choosing plan features to meet their goals.
$120 per plan per month
$6 per participant per month
- More flexibility to customize the plan, including basic profit sharing
- No required employer contributions
- Support in conducting additional plan testing
Plus - Customizable plan design solutions

Built to help maximize business owners’ savings and provide the most customization of plan features.
$155 per plan per month
$6 - $8 per participant per month
- Most flexibility to customize the plan, including new comparability profit sharing
- No required employer contributions
- Support in conducting additional plan testing
J.P. Morgan is here to help you get the right 401(k) plan for you, your business and your employees
01
Get started
Provide your information in the form and a J.P. Morgan representative will reach out to you.
02
Discuss and evaluate
A J.P. Morgan Retirement Plan specialist will help you find the right 401(k) plan design for your business.
03
Set up your 401(k) plan online
Select from ready-to-use plan designs or customize a plan to suit your needs.
Get the latest retirement insights
Design a 401(k) plan that is right for your business

You have the flexibility to choose the 401(k) plan features to help you reach your business goals.
4 reasons to start a 401(k) plan

Keep your business moving forward by offering a low-cost retirement plan.