You're adding employees, opening locations, and increasing complexity. Your retirement plan administration should keep up without breaking or getting expensive.
Request a Plan ReviewThe Scaling Problem
A 401(k) that worked for 20 employees starts showing cracks at 50, 75, or 100. Testing gets harder as the compensation gap widens. Asset-based fees climb as balances grow. Your bundled provider's support team can't handle the complexity. Independent Retirement is built for companies in this exact growth phase — complex enough to need a real TPA, but not so large that they need a consulting firm.
Future-Proof
As your headcount and revenue grow, your plan design should evolve. We proactively recommend changes during annual reviews — adding profit-sharing tiers, adjusting eligibility, layering cash balance when the numbers support it.
Consolidated
New offices, new states, new entities. We consolidate administration and testing across locations and handle controlled group compliance if you operate through multiple entities.
Cost-Effective
With many providers, your TPA cost grows as your employees save more. Our flat fee to employers grows only with service tier and participant count — not with account balances.
Exit-Prepared
If acquisition is in your future, a clean retirement plan with proper documentation and testing history makes due diligence smoother. We keep your plan audit-ready at all times.
FAQ
There's no magic number, but we see the most friction at 50–100 employees. That's when testing gets complex, the compensation range widens, and bundled provider support starts falling short. If you're growing past 30 employees, it's worth a conversation.
Yes. Controlled group and affiliated service group testing is a core part of what we do. We test across all related entities and design the plan to comply with combined coverage and nondiscrimination requirements.
A clean retirement plan with up-to-date documents, testing, and filings makes the M&A process smoother for both sides. We keep your plan in audit-ready condition at all times and can manage plan mergers or terminations when the time comes.