Simple Safe Harbor Design
No Testing Headaches
We typically recommend a Safe Harbor 401(k) for startups. It eliminates nondiscrimination testing, lets founders defer the maximum, and gives employees a straightforward benefit.
401(k) Plans for Startups That Want to Compete for Talent
A retirement plan used to be a big-company benefit. Not anymore. We set up lean, flat-fee 401(k) plans that help startups recruit without breaking the bank.
Request a Plan ReviewRecruiting Leverage on a Budget
Why Startups Are Setting Up 401(k) Plans Earlier
In today's hiring market, top candidates expect a 401(k). SECURE 2.0 tax credits (up to $5,000/year for three years) make it cheaper than ever for small employers to offer one. And with flat-fee independent administration, you know exactly what it costs — no surprises as your team grows.
What Startups Get
Flat-Fee Pricing
Predictable
Flat-fee billing to employers that doesn't grow as employee balances accumulate. Your TPA cost is based on service tier and participant count. Period.
SECURE 2.0 Tax Credit Guidance
Up to $5K/Year
Small employers can claim up to $5,000 per year for three years in startup plan tax credits. We help you understand eligibility and work with your CPA to capture the credit.
Growth Path
Scales With You
Start simple. As you raise rounds and grow headcount, add profit-sharing, Roth options, or a cash balance plan for founders. We design for today with tomorrow in mind.
FAQ
Common Questions
How much does it cost to set up a startup 401(k)?
Our setup fees and monthly administration costs are designed to be accessible for small employers. The SECURE 2.0 tax credit can offset a significant portion of the first three years' costs. Contact us for a specific quote based on your team size.
We only have 5 employees. Is that too small?
Not at all. Many of our clients started with fewer than 10 employees. A Simple Safe Harbor plan is lean, compliant, and meaningful for recruiting.
Can founders maximize contributions from day one?
Yes. With a Safe Harbor plan, founders can defer the full employee limit ($23,500 in 2025) plus receive the Safe Harbor employer contribution, with no testing risk.
Ready to add a 401(k) to your benefits package? It's simpler than you think.
45 Minutes
No Obligation
Written Analysis
Request a Plan Review