A 401(k) plan built to fit your business

A 401(k) is an employer-sponsored retirement plan that lets employees — and business owners — invest in their future and save on a pre-tax or Roth basis with potential tax-advantaged growth. 

Everyday 401(k) is available for many employers — including sole proprietors, partnerships, LLCs, and corporations. Owner-only businesses typically use a Solo 401(k) until they hire eligible employees, then transition to a group plan.

Have your EIN and business details, payroll capable of withholding/remitting, and an employee census. From there, you can choose a plan design or work with a retirement plan specialist.

Everyday 401(k) plans can be up and running in a matter of weeks, but time can vary for every business. Our team can work with you to help you determine timing for your unique business situation. 

Everyday 401(k) offers seamless payroll integration with over 190 payroll providers. To see the full list, click here.

Yes — owners with W-2 or self-employment income can make employee deferrals and receive employer contributions, subject to IRS limits and your plan’s rules; safe harbor designs can help owners contribute up to the maximum regardless of employee participation. We also offer a Solo 401(k) plan specifically for business owners and an eligible spouse.

Everyday 401(k) offers ongoing plan support to help your business manage your plan. We manage your team's day-to-day administration, file your form 5500, ensure payroll integrations and more.

A Safe Harbor 401(k) plan requires a mandatory employer contribution. In return, you can help satisfy certain annual compliance tests that can limit how much highly compensated employees are able to save.

Everyday 401(k) offers conversions that can help to reduce plan expenses and lower your administrative burden. The cost of converting an existing plan is as low as $750. To discuss your unique business needs, contact us.