small business retirement

Get a retirement plan that’s right for your business

We offer a variety of tax-advantaged small-business plans for self-employed professionals, entrepreneurs, and business owners and their employees.

Access your small-business plan.

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Consider small-business retirement plans

Check out the advantages of each one.

Individual 401(k)

An Individual 401(k) maximizes retirement savings if you're self-employed or a business owner with no employees other than a spouse. We also offer an Individual Roth 401(k) option.

Learn about Individual 401(k)s

SEP-IRA

With generous contribution limits, the SEP-IRA (Simplified Employee Pension) plan is the simplest, most flexible, tax-deferred retirement plan you can sponsor.

Learn about SEP-IRAs

SIMPLE-IRA

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

Learn about SIMPLE-IRAs

Small plan 401(k)

Our program for small- and mid-sized businesses is a high-quality, easy-to-administer retirement offer for 401(k) plans, 403(b) plans and other retirement plan types.

Learn about the Small plan 401(k)

Compare plans side-by-side

Why choose Vanguard for your small business?

Selecting Vanguard for your retirement plan means you can expect high-quality, low-cost funds; investment flexibility; and exceptional service—all from a partner trusted by businesses like yours to align with our clients' interests.

Jump start your savings

As a small-business owner, planning for your retirement is entirely up to you. And if you employ others, you'll be helping them get on the right track for retirement too.

Benefit from tax breaks

All retirement plans offer tax-deferred growth on earnings. As an employer, you also benefit from tax-deductible employer contributions.

Give your money a chance to grow

In addition to your plan contributions, the compounding of interest, dividends, and capital gains allows your account to generate earnings on top of earnings.

Attract and retain employees

Offering a retirement plan to your employees can keep you competitive in the job marketplace and help your business flourish.

Not sure what's right for you?

Size up your retirement plan

Get to know the retirement plans that Vanguard offers for small businesses: the SEP-IRA, the SIMPLE IRA, the Individual 401(k), and the Small Plan 401(k). Try our interactive tool to see which plan may be best for you and your business.

Get started

Ready to get started?

If you're new to Vanguard, give us a call so we can help you get started with your plan.

800-992-7188

 

Are you a Vanguard client looking for a small-business plan? Set up your new plan today.

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Learn more about small-business retirement

Enhance your retirement plan

Looking to enrich your existing retirement plan with quality mutual funds? Our investment-only service opens the door for you to offer Vanguard funds. 

Learn about our investment-only option

Move your plan to Vanguard

Consider moving the small-business plan you hold elsewhere to Vanguard. You can enjoy high-quality, low-cost funds and reliable service for your portfolio.

Learn how to transfer your plan