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

Administrative
responsibilities

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

Withdrawals

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

Fees

Account opening and annual maintenance fees

None*

*There is no cost to open and no annual fee for Fidelity's Traditional, Roth, SEP, and Rollover IRAs. A $50 account close out fee may apply. Fund investments held in your account may be subject to management, low balance 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

$7.95 for online U.S. equity trades

Next step

Download a Fidelity Investment-Only Retirement Account application. Call 800-544-5373 and select option 3 to speak with a small-business retirement specialist.

Additional information

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