How to Set Up a 401(k) for Your Small Business: The Founder's Guide

SIMPLE 401(k), Safe Harbor, and traditional plans explained. What they cost, when they make sense, and how to avoid ERISA compliance pitfalls.

A 401(k) is one of the most cost-effective retention tools a small business can offer. Setup is simpler than most founders think, and the tax advantages benefit both the company and employees.

Why a 401(k) matters for retention

The three plan types for small businesses

What it costs to offer and administer

ERISA compliance: what you must get right

Implementation timeline

Getting started