Named Plan Administrator
Not a Ticket Queue
You know who's working on your plan. They know your business, your employees, and your goals. When you call, they answer.
401(k) Plans for Small Businesses That Don't Have an HR Department
You didn't start your business to become a retirement plan expert. We handle the design, administration, compliance, and IRS filings so you can focus on running your company.
Request a Plan ReviewYou Deserve Better Than a Call Center
The Small Business Retirement Plan Problem
Most small businesses end up with a 401(k) from whoever their payroll company or insurance broker recommended. The plan works fine until something goes wrong — a failed test, a DOL audit, or a key employee who can't defer what they expected. Then you discover that your bundled provider's support team doesn't actually know plan compliance. Independent Retirement is different. You get a named administrator, flat-fee pricing, and the kind of proactive plan design that prevents problems instead of reacting to them.
What Small Businesses Get
Flat-Fee Pricing
No Surprises
Flat-fee billing to employers — no per-transaction charges. Your cost is based on service tier and participant count, and your bill doesn't increase as plan assets grow.
Proactive Compliance
Prevention First
We can run testing projections early in the year and flag potential issues before they become corrections. Most compliance problems are preventable with the right TPA.
IRS Representation Included
Peace of Mind
If the IRS contacts you about your plan, we respond. No additional charge. No surprise bills. It's included because it should be.
FAQ
Common Questions
We already have a plan with another provider. Can you take over?
Yes. Most of our new clients are plan takeovers. We review your existing plan document, recent testing, and prior filings, then manage a clean transition. Most takeovers are fully onboarded within 30–60 days.
Do you work with our payroll company?
Yes. We integrate with all major payroll providers and most regional ones. Automated census feeds and contribution processing reduce manual work for you and your team.
What if we want to improve our plan design?
That's what the free Plan Design Review is for. We look at your current document, contribution strategy, and testing results, then recommend changes that could improve owner benefits, reduce cost, or both.
Want a TPA that actually knows your name? Book a free Plan Design Review.
45 Minutes
No Obligation
Written Analysis
Request a Plan Review