Business · Guides
401(k) questions owners ask, answered plainly.
Whether you have to offer a plan, what it costs, what the tax credits give back, and how to tell whether the plan you have is working. Each guide says where its facts come from.
Starting a plan
Whether you have to offer a retirement plan, what it costs, and what the federal credits give back.
- Does my state require me to offer a 401(k)?Every state's rule, with deadlines by employee count for the states that have one.
- How much does a 401(k) cost for a small business?Our fee and setup cost, an estimate for your plan, and the published prices of two large providers.
- 401(k) tax credits for small businesses: how much can you get back?The three federal credits for starting a plan, what each pays, and how the cap works for your headcount.
Already have a plan
How to tell whether your plan is working for your team, and what changing providers involves.
By industry
- A 401(k) for a medical or dental practiceWhat a practice plan involves, from plan design to the benefits review.
- A 401(k) for technology companiesHigh earners, fast hiring and the tax credits for a first plan.
- A 401(k) for construction and the tradesSeasonal hours, union and non-union crews, and vesting for people who move between companies.
- A 401(k) for professional services firmsPlan designs for well-paid partners and a salaried staff, and what changes when the partnership does.
- A 401(k) for restaurants and hospitalityPart-time schedules, turnover and getting people enrolled.
- A 401(k) for retailersSeasonal staff, several stores or companies, and getting people enrolled.