small-business retirement plans

Get a retirement plan that’s right for your business

Small-business owners have unique needs when it comes to saving for their retirement and helping their employees. 

Existing Individual 401(k), SIMPLE IRA, and SEP-IRA plans with multiple participants will be transferred to Ascensus. If you're just getting started, those plans can be established directly with Ascensus. Vanguard will continue to offer a one-person SEP-IRA.

Access your existing small-business retirement plan

Consider small-business retirement plans



A SIMPLE IRA (Savings Incentive Match Plan for Employees) is a great starter plan that encourages employees to contribute to their retirement.

View the Ascensus SIMPLE IRA


(Multiple participants)

Ascensus offers a multi-participant SEP IRA that can support a business that employs others and provides access to a diverse lineup of Vanguard mutual funds.

View the Ascensus SEP IRA open a new window

Vanguard is only responsible for content on our own website.

Not sure what's right for you?

Size up your small-business retirement plan choices

Get to know retirement plans for small businesses. Try our interactive tool to see which plan may be best for you and your business.

An experienced provider to meet your needs

As we focus on areas where we can provide the highest value, we want to be sure your small-business plan thrives. Ascensus was founded more than 40 years ago with a singular purpose—to help people save for what matters. As an industry leader, they provide versatile capabilities, insights, and experience to meet your plan’s needs.

Industry leadership

As a leading provider of tax-advantaged savings and retirement solutions, you’ll benefit from Ascensus’s extensive retirement experience through all stages of your financial journey.


Ascensus’s market insights and educational resources—along with dedicated professionals serving small-business plans—will provide support for your personal and business success.


Delivering streamlined digital experiences with the needs of small businesses in mind, Ascensus's platforms are designed to provide flexibility, scalability, security, and cost-efficiency.

Vanguard funds

You'll have access to a diverse lineup of Vanguard mutual funds within your retirement account at Ascensus.

Ready to get started?

You can open a SEP-IRA at Vanguard if there is only one person. Give us a call so we can help you get started with your plan.


Other plan types for small business owners can be opened directly through Ascensus. Visit their website to learn more.

Vanguard is only responsible for content on our own website.

All investing is subject to risk, including the possible loss of the money you invest.

Ascensus, LLC provides administrative and recordkeeping services. It is not a broker-dealer or an investment advisor and does not provide tax, legal, or accounting services. Ascensus® and the Ascensus logo are registered trademarks of Ascensus, LLC. Individual(k) is a trademark of Ascensus, LLC. ©2024 Ascensus, LLC. All Rights Reserved.