Small-business retirement plans
When it's time to choose a retirement plan for your business, there are a lot of moving parts to consider. It may help to start with which plan works for the number of people you will cover, since that will help narrow down your options. From there, you can compare the rest of the details.
Questions?
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Compare Fidelity's small business plans
We offer retirement plans for businesses of every shape and size. Visit the following product pages for more information. If you have a separate retirement plan established and would like to invest the assets in a Fidelity brokerage account, you may be interested in an Investment-Only Retirement account.1
If you have an existing 401K plan for your employees under another provider, learn more about the support and value we can deliver with a Fidelity 401(k).
Plan coverage
Who contributes
Access to assets3
Contribution features
Employees may contribute up to $20,500 for 2022 ($27,000 if 50 or older) and $22,500 for 2023 ($30,000 if 50 or older)5
The total employer and employee contributions cannot exceed $61,000 in 2022 and $66,000 in 2023. ($67,500 for 2022 and $73,500 for 2023 if 50 or older and making the catch up contribution.)5
Flexible annual funding requirements
The employer may contribute between 0% and 25% of compensation up to a maximum of $61,000 for 2022 and $66,000 in 2023. Each eligible employee must receive the same percentage
Employees may contribute up to $20,500 for 2022 ($27,000 if 50 or older) and $22,500 for 2023 ($30,000 if 50 or older).5
The total employer and employee contributions cannot exceed $61,000 in 2022 and $66,000 in 2023. ($67,500 for 2022 and $73,500 for 2023 if 50 or older and making the catch up contribution.)5
Electronic funding with customized contribution allocation for each participant
Employer contributes either a matching or a non-elective contribution
Participants may contribute up to 100% of compensation with a maximum of $14,000 for 2022 ($17,000 if 50 or older) and $15,500 for 2023 ($19,000 if 50 or older)
Fees
Eligibility for tax credits for offering a 401(k) for the first time.
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