Small-Business Retirement Plans

Get the advantage of retirement savings accounts with no account fees or minimums to open. Small business owners and self-employed individuals will also get simplified plan management and specialized customer service—24 hours a day, 7 days a week.*

Your retirement savings made easier


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.


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.

Learn more

Selecting a small business plan (1:10)
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

Understanding Form 5500
Learn more about filing Form 5500 for Defined Contribution Plans and Defined Benefit Plans.

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.