Find the Right Retirement Plan for Your Business
Every company is different — so is every retirement plan. Whether you're a solo owner maximizing tax-deferred savings or a 100-person company looking for a testing-free Safe Harbor, we administer them all at a flat fee with zero product conflicts.
Plan Types We Administer
Six plan types. One independent administrator.
Safe Harbor 401(k)
5–100 employees
Auto-passes nondiscrimination testing so HCEs can max out deferrals every year.
Learn more Maximum FlexibilityTraditional 401(k)
10–200+ employees
No required employer contribution with discretionary matching and profit-sharing options.
Learn more Owner-OnlySolo 401(k)
Self-employed / owner + spouse
Contribute as both employee and employer — up to $69K (plus catch-up). Minimal compliance.
Learn more High ContributionCash Balance Plan
High-income owners & professionals
Defer $100K–$300K+ per year — far beyond 401(k) limits. Often paired with a 401(k).
Learn more Owner-WeightedNew Comparability
Owners who want to maximize their share
Direct the majority of profit-sharing dollars to owners and key employees.
Learn more Nonprofits & Schools403(b) Plans
501(c)(3) organizations
The tax-exempt equivalent of a 401(k), built for nonprofits and educational institutions.
Learn moreNot Sure Which Plan?
Start with your situation — we'll match the plan
Solo Owner
Just Me (or Me + Spouse)
No W-2 employees besides yourself
- Solo 401(k) for maximum contribution room
- Add a Cash Balance plan to defer $200K+
You're the business and the participant. A Solo 401(k) gives you the most flexibility with the least overhead.
Start with Solo 401(k)Small Team
1–50 Employees
Want certainty and simple compliance
- Safe Harbor 401(k) eliminates testing
- Owners can defer the full $23,500 limit
- Layer on profit-sharing for more tax savings
Most small businesses with employees end up with a Safe Harbor. It's simpler, more predictable, and lets everyone contribute without worrying about testing.
Start with Safe HarborGrowing Company
50+ Employees
Need flexible design and advanced strategies
- Traditional 401(k) for maximum design flexibility
- New Comparability to direct dollars to key people
- Cash Balance combo for high-income owners
Larger companies often benefit from a Traditional 401(k) with a custom profit-sharing layer. We model multiple scenarios to optimize for your goals.
Explore Traditional 401(k)Still not sure? That's what we're here for. A 30-minute call is all it takes to identify the right plan type for your business.
Schedule Free ConsultWhy businesses choose Independent Retirement
Plans administered across Oregon and nationwide — from solo owners to companies with hundreds of employees.
Of independent plan administration. No product affiliations. Flat-fee billing to employers. Just clean, compliant plan work.
Net cost for many new plans in years 1–3 thanks to SECURE 2.0 startup tax credits that can offset 100% of admin fees.