← Choose another benefitRetirement plan fit
Question one · workforce
Who needs to participate?
Owner-only plans work differently from plans that must cover eligible employees.
Question two · funding
Who should control the contribution?
Employee salary deferrals support engagement; employer-only funding offers a different kind of flexibility.
Question three · objective
What matters most?
Choose the primary objective; the result will identify another structure worth comparing.
Question four · commitment
How much administration can the plan support?
Greater flexibility generally brings more testing, reporting, notices, or fiduciary responsibility.
Strongest starting direction
Why it fits
Verify before adopting
Would you like to explore another retention track?
Your retirement result will remain available while you continue.
Your retirement result will remain available while you continue.
Educational screening only—not legal, tax, investment, actuarial, or fiduciary advice. Plan eligibility, limits, tax credits, required coverage, and deadlines must be confirmed for the plan year. Sources: IRS Publication 560 and U.S. Department of Labor plan guide.