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The Easy, Affordable 401(k) Plan Built for Small Businesses

Start a 401(k) for less than $100 per month.^*

ShareBuilder 401k clients save up to 68% on 401(k) costs compared to the industry average.¹

Low Costs

Getting on the road to retirement has never been easier or more accessible with 401(k) plans for your business starting at less than $100 a month.

Pay Less

We keep 401k investment expenses under 1%, so you keep more of the money you save. Plus, as plan assets increase, certain costs are automatically reduced.

Save More

Thanks to the Secure Act, you can save up to $15,000 in tax credits² and deductions for your business over the first three years of your first plan.

Low Costs

Getting on the road to retirement has never been easier or more accessible with 401(k) plans for your business starting at less than $100 a month.

Pay Less

We keep 401k investment expenses under 1%, so you keep more of the money you save. Plus, as plan assets increase, certain costs are automatically reduced.

Save More

Thanks to the Secure Act, you can save up to $15,000 in tax credits² and deductions for your business over the first three years of your first plan.

We Can Help You Design Your Plan to Get the Most Out of Your 401(k):

	Solo 401(k) Starting at $25/month for adminstration	Safe Harbor 401(k) Starting at $95/month for adminstration	Traditional 401(k) Starting at $115/month for adminstration
Best for...	Self-employed, owner-only, and spouses contributing >$6K per year.	Ensuring owners and highly compensated employees can contribute to the plan without restrictions.	Businesses that want the flexibility in matching or not, vesting schedules, and employee eligibility.
Matching is...	Not Applicable. May contribute as an employee and an employer!	Required	Optional, but may limit owner contributions.
Profit-sharing option is...	May profit share and/or contribute as an employee.	Standard option available.	Standard option available.
IRS testing is...	Not applicable. There are rules for how much you may contribute.	Automatically satisfied!	Required
Vesting schedule is...	Not applicable to employer match,may have profit share vesting if using.	Not applicable to employer match,may have profit share vesting if using.	An option with various percentages and years.May also choose not to use this feature.

We Can Help You Design Your Plan to Get the Most Out of Your 401(k):

Solo 401(k) Starting at $25/month for administration
Best for...	Self-employed, owner-only, and spouses contributing >$6K per year.
Matching is...	Not Applicable. May contribute as an employee and an employer!
Profit-sharing option is...	May profit share and/or contribute as an employee.
IRS testing is...	Not applicable. There are rules for how much you may contribute.
Vesting schedule is...	Not applicable to employer match, may have profit share vesting if using.

Safe Harbor 401(k) Starting at $95/month for administration
Best for...	Ensuring owners and highly compensated employees can contribute to the plan without restrictions.
Matching is...	Required
Profit-sharing option is...	Standard option available.
IRS testing is...	Automatically satisfied!
Vesting schedule is...	Not applicable to employer match, may have profit share vesting if using.

Traditional 401(k) Starting at $115/month for administration
Best for...	Businesses that want the flexibility in matching or not, vesting schedules, and employee eligibility.
Matching is...	Optional, but may limit owner contributions.
Profit-sharing option is...	Standard option available.
IRS testing is...	Required
Vesting schedule is...	An option with various percentages and years. May also choose not to use this feature..

How to Setup a 401(k):

Tell Us About Your Business

Select Your Features

Rollout Your Plan

The ShareBuilder 401k Difference:

Digital Solutions

We provide a simplified, manageable experience. Paperwork and administration are automated and online, making it easily accessible wherever you are.

401(k) Advisors & Specialists

We help you implement and manage your plan to keep you and your employees on target.

ERISA 3(38) Fiduciary

We provide investment advisory functions, including serving as an ERISA 3(38) fiduciary, taking on the responsibility of investment roster reviews and documentation which saves you time and energy and provides more risk protection for owners.

While you can't control the markets, Sharebuilder 401k can help you and your business control investment expenses.

Every dollar paid in investment expenses is one less dollar invested in the markets.
Paying just 1% more in fund and investment expenses can cost each employee hundreds of thousands in savings over a 40-year career.

This example shows the effect that expenses can have on your 401(k) retirement account over a career of 40 years by comparing the costs of paying 1% versus 2% on investments and how savings may accumulate. It assumes the investments have a fixed annual 7% return before expenses with no distribution or tax considerations and does not imply future returns. The example assumes each employee has a salary of $75,000 in year one and receives a 3% merit raise each year on-going. In addition, the employee contributes 5% of her salary each year and receives a 3% of salary company matching contribution.

6,500+ Businesses

Thousands of companies save for retirement with us

50 States

Proudly serving 401(k) plan clients in all 50 states

15 Years

How long we’ve happily served small businesses