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Small-Business Retirement Plans

Get the advantages of retirement savings accounts with simplified plan management and specialized customer service—24 hours a day, 7 days a week—for small-business owners and self-employed individuals.

Your retirement savings made easier

SEP IRA

This plan features tax deferral and tax-deductible employer contributions for self-employed individuals and small businesses.

Investment-Only Retirement Account

Access a wide range of investments for your existing retirement plan through Fidelity's brokerage account for plan sponsors.

SIMPLE IRA

This plan offers tax deferral plus pretax contributions for self-employed individuals and participants in small businesses with fewer than 100 employees.

401(k) for Small Businesses

Offer your employees a retirement plan with employee contributions, employer contributions, and an array of features.

Self-Employed 401(k)

No set-up or annual fees—designed for self-employed individuals or business owners without employees.

Compare all small-business plans

Learn more

Self-Employed Contribution Calculator
Answer five quick questions to see how much you can contribute to your retirement plan.

Selecting a small business plan (5:12)
Watch this video to learn which plan may be right for your company.

Retirement Planning
Get guidance on retirement investing based on your stage of life.

Maintaining your plan

Pension Protection Act (PPA) Amendment
Get step-by-step instructions to help you update your plan in accordance with PPA regulations.

Fee Disclosure Information
Keep up to date on fee disclosure regulations for plan sponsors and plan participants.

Terminating your plan
Follow these guidelines to help ensure you're terminating your plan in accordance with IRS regulations.

Guidance provided by Fidelity is educational in nature, is not individualized and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions.
System availability and response times may be subject to market conditions.
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