Investment-Only Retirement Accounts for Small Business

An Investment-Only Retirement Account is also known as the Fidelity Non-Prototype Account. This brokerage account is for small businesses that have qualified plans for which they would like to expand the investment options to include offerings from Fidelity.

Plan features

May be appropriate for

Small businesses or self-employed individuals with qualified plans, for which they wish to use Fidelity as an investment provider only


The retirement plan administrator or trustee handles the plan's recordkeeping and tax reporting services.


Only plan trustees can request distributions from the account.

Other transactions

The plan trustee has full authority to transact on the account.

Limited trading authority may be given to participants or agents, such as third-party administrators.

Investment options

Include a wide range of Fidelity and non-Fidelity mutual funds, stocks, bonds, ETFs, and FDIC-insured CDs


Account opening and annual maintenance fees



There are no opening, closing or annual fees for Fidelity's Traditional, Roth, SEP, SIMPLE, and rollover IRAs. Fund investments held in your account may be subject to management and short-term trading fees, as described in the offering materials. For all securities, see the Fidelity commission schedule (PDF) for trading commission and transaction fee details.

Trading fees1

$0 commission for online US stock, ETF, and option trades

Additional information

Investment-only retirement account withdrawal form (PDF)
For trustees of existing Investment-Only Retirement Accounts: use this form to make withdrawals.