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Small-business plans—easy, low-cost ways to save for retirement

Let us simplify your retirement plan so you'll have more time to run your business. Whether you're self-employed or employ others, we have a plan to fit your needs and small-business specialists to provide you with exceptional service.

Your plan choices

Small plan 401(k)

Low-cost, full-service options for 401(k) and profit sharing plans from start-ups to $20 million-plus in assets.

Individual 401(k)

Generous contribution limits apply to this plan designed for sole proprietors or partners who have no common-law employees.


Minimal paperwork is required to set up this plan for small-business owners or the self-employed.


Businesses with 100 or fewer employees who want to maximize employee contributions may find this to be a suitable plan.

Which plan is right for you?

Compare our plans »

Why choose Vanguard

Save money
The average Vanguard fund expense ratio is 82% less than the industry average.* Our Individual 401(k), SEP-IRA, and SIMPLE IRA plans don't require a setup fee.
Find the right investments
We offer a diversified fund lineup with no minimum initial investment that has delivered solid long-term investment results.** See our listings in Money magazine.***
Simplify your plan
Take a tour of Small Business Online to see how you can manage and make contributions to your plan. Your employees can use Vanguard.com to track their investments.

It's easy to get started

We can provide all the help you need to set up your plan. Call a small-business specialist at 800-992-7188.

An employee other than an owner, a business partner, or a shareholder of a corporation and their respective spouses. (Independent contractors are not employees.)
Money magazine named 17 Vanguard funds on its "Money 50" list—more than any other fund company.