8%
EE deferral
HR & Payroll
Solo 401(k) · SEP · SIMPLE · 401(k)
Set up a retirement plan. Tax savings + employee benefit.
Retirement plans give business owners and employees tax-advantaged savings. The right plan depends on company size and goals: Solo 401(k) for owner-only ($69,000 contribution limit), SEP-IRA for very small companies (simple, $69,000), SIMPLE IRA for small-mid ($16,000 employee + match), traditional 401(k) for 10+ employees ($23,000 employee + employer match). We help pick the right plan and connect to custodian.
How it works
How we handle Retirement Plan Setup, end-to-end.
Retirement plans give business owners and employees tax-advantaged savings.
1
Plan selection
Solo 401(k): owner + spouse only, highest limit, most flexibility. SEP-IRA: any size, simple, employer-only contributions. SIMPLE IRA: 100 or fewer employees, employee + match. Traditional 401(k): 10+ employees, full flexibility.
2
Custodian matching
Solo 401(k): Fidelity, Vanguard, Schwab, eTrade. SEP-IRA: same plus most brokers. SIMPLE IRA: Vanguard, Fidelity. 401(k): Guideline, ForUsAll, Human Interest, Vestwell, traditional admins (Fidelity, Empower).
3
Plan documents
Adoption agreement (defines plan terms), Summary Plan Description (for employees), trust documents. We work with the custodian's standard templates for most setups.
4
Payroll integration
Plan deductions integrate with your payroll (Gusto, ADP, QuickBooks, Rippling). We coordinate the integration so contributions flow automatically.
What we'll set up for you
A clean handoff, in four steps.
You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.
01 · Name + Brand
A name that's actually available.
Real-time check against the state register, USPTO trademark database, and matching domains.
02 · State filing
Filed with the Secretary of State.
We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.
03 · Federal IDs
EIN + the right tax setup.
Federal Employer ID with the IRS, plus state tax accounts when your business needs them.
04 · Stay compliant
Registered Agent + deadline tracking.
Your agent on file in every state, with every renewal and annual report tracked in one calendar.
Pricing
Transparent retirement plan setup pricing.
Government fees pass through at cost. No upsells.
Solo 401(k) / SEP-IRA
$499
Owner-only plan setup.
Plan selection, custodian matching, account opening, payroll integration. For solo entrepreneurs or owner + spouse businesses.
Get startedSIMPLE / 401(k) setup
$999
Small employer plan setup.
Plan selection, custodian/admin matching (Guideline, ForUsAll, Human Interest), plan documents, payroll integration, employee enrollment kickoff.
Get startedOngoing administration
$299
Annual coordination.
Annual subscription for ongoing plan administration: Form 5500 filing for SIMPLE/401(k), Safe Harbor notices, plan amendment as laws change, contribution reconciliation.
Get started FAQ
About the Retirement Plan Setup Service.
Which plan should I pick?
Solo (no employees): Solo 401(k). 1-100 employees, simple admin: SEP-IRA or SIMPLE IRA. 10+ employees, want flexibility and match: 401(k). Want to max out owner contributions in a small company with employees: Safe Harbor 401(k).
What is Solo 401(k)?
401(k) for self-employed or owner-only businesses (owner + spouse OK). $23,000 employee deferral plus 25% of compensation as employer (up to $69,000 total 2025). Highest contribution limit of any owner-friendly plan.
What is the difference between SEP-IRA and SIMPLE IRA?
SEP-IRA: employer-only contributions, simpler admin, higher limit ($69,000). SIMPLE IRA: employee + match, smaller limit ($16,000 + employer match), used when employees want to contribute too.
What is a Safe Harbor 401(k)?
401(k) variant that satisfies the ADP and ACP nondiscrimination tests automatically by providing fixed employer contributions (3% non-elective or matching). Lets highly-paid owners max out without testing failures.
Are contributions tax-deductible?
Traditional accounts: yes (pre-tax). Roth accounts: no (after-tax). Most plans offer both. Employer matching contributions are deductible to the business.
What is Form 5500?
Annual return for retirement plans. Required for 401(k) and SIMPLE IRA plans with employees. Filed with DOL. SEP-IRA and Solo 401(k) typically exempt from 5500 filing.
Bundle & save
Recommended add-ons
Most customers add these to keep their business compliant year-round.
Registered Agent
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$99
/year
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Compliance Monitoring
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$19
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Annual Report Filing
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Why File.Business
Premium compliance, no service-fee markup.
Trust you can verify
SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.
A compliance partner, not a transaction
Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.
Premium experience competitors cannot match
Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.