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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.

More information

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

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

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From our experts

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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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