For construction and the trades

A 401(k) for your crew.

Field crews, office staff and owners, with hours that change by season and by job. A clear proposal shows how one plan fits that, what it costs and who does the work.

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A construction worker in a hard hat smiling beside an excavator

What a good proposal shows.

Costs in writing

Administrative and investment fees, set beside the services you receive.

A fit for owners and staff

Plan options weighed against seasonal hours, union and non-union crews, and how much the owners want to save.

Clear responsibilities

Who handles setup, payroll, recordkeeping, testing and filings, and what stays with the company.

How the process works

What's different for construction and the trades.

The parts of a plan that matter most in your line of work.

Seasonal hours

For plan years beginning after 2024, a 401(k) generally has to let employees with at least 500 hours in each of two consecutive 12-month periods make their own contributions. Tracking hours across jobs matters.

Union and non-union crews

Employees covered by a collective bargaining agreement can be left out of the plan's coverage testing when their retirement benefits were the subject of good-faith bargaining.

Crews who move between companies

A vesting schedule decides how much of the company's contributions someone keeps when they leave. Employees' own contributions are always fully theirs.

Common questions.

Do union members have to be in the plan?
Not necessarily. Employees covered by a collective bargaining agreement can be excluded when retirement benefits were bargained in good faith. Your agreement and a plan specialist settle who's in.
How do seasonal workers fit?
For plan years beginning after 2024, a 401(k) generally has to let employees with at least 500 hours in each of two consecutive 12-month periods make their own contributions. Eligibility rules decide the rest, and the proposal shows how they'd apply to your crews.
We already have a plan. Can you compare it?
Yes. A proposal can set your current plan's costs and services beside ours, and the switching guide covers what a move involves.

More questions about cost, switching and plan rules

Sources and disclosures
  1. Internal Revenue Service, Publication 560 (2025), Retirement Plans for Small Business, Reminders, long-term part-time employees; read Oct 20, 2026.
  2. 26 U.S.C. 410(b)(3)(A), Minimum participation standards, text via Cornell Law School's Legal Information Institute, read Oct 20, 2026.
  3. Internal Revenue Service, Retirement topics: Vesting, read Oct 20, 2026.
  4. Cost comparisons depend on each plan's services and written fee disclosures. The proposal and applicable agreements identify the advisory entity, provider responsibilities and fees.

See a plan in writing.

Tell us about the company and what a written proposal should cover.

Request a proposal