Small-business retirement plans
Compare Fidelity's small business and self-employed plans
Whether it’s just you or you and your employees, we have a variety of retirement plans that may be right for you. Take a look at how they compare and find one that fits your needs.
Already have a 401(k) plan with another provider? Learn more about the support and value we can deliver with a Fidelity 401(k).
If you have a separate retirement plan established and you’d like to invest the assets in a Fidelity brokerage account, you may be interested in an Investment-Only Retirement account.1
Who's the plan for?
Who can contribute?
How do contributions work?
Contributions can't be made electronically.
Total contributions can't exceed $66,000 in 2023 ($73,500 if 50 or older and making the catch-up contribution).5
Contributions may be made electronically.
Total contributions can't exceed $66,000 in 2023.5
Contributions may be made electronically.
Total contributions can't exceed $66,000 in 2023 ($73,500 in 50 or older and making the catch-up contribution).5
Contributions may be made electronically.
Total contribution limits can vary based on employer elections.
Can withdrawals be made?3
What about fees?
You may be eligible for tax credits if offering a plan for the first time.
You may be eligible for tax credits if offering a plan for the first time.
You may be eligible for tax credits if offering a plan for the first time.
Learn more
Selecting a small business plan (1:10)
Watch this video to learn which plan may be right for your company.
Start and grow your business
Explore what you need to know to become your own boss.
An HSA for your small business
See why a Fidelity HSA
®
makes sense for small businesses and their employees.
Ready to get started?
For a SEP IRA or a SIMPLE IRA , get started online
For Self-Employed 401(k) and Investment-Only start the paperwork

For Fidelity Advantage 401(k) , get started online