Employee Retirement Plans
Creating and managing a retirement plan can be daunting. We provide expert advice on employee retirement plans, helping businesses of all sizes establish, manage, and optimize their plans. Our services support every level of your organizationโfrom business owners and administrative teams to executives and employees.
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For any type of public or private company. 401k plans are generally most appropriate for companies with 20 or more employees.
Business Size
Best Suited For:
Who Contributes:
Employee Deferral:
Employer Contribution:
Roth Option:
Loan Availability:
Early Withdrawal:
RMD Age:
IRS Filing:
ERISA Status:
Fees:
Admin Complexity:
Investment Options:
Startup Credit:
Portability:
Auto Features:
Advisor Managed:
Any business size
100+ employees
Employer & employee
401(k) Deferral
Match 3%
Roth Yes
Loans Yes
Standard 10%
RMD 73
5500 Yes
ERISA Yes
Varies by provider
Medium
Level II
Credit Available
Rollover In/Out
Auto Escalation, Auto Enroll
Advisor Managed Yes
For self-employed individuals and owner-only businesses. The ownerโs spouse may participate in the plan.
Business Size
Best Suited For:
Who Contributes:
Employee Deferral:
Employer Contribution:
Roth Option:
Loan Availability:
Early Withdrawal:
RMD Age:
IRS Filing:
ERISA Status:
Fees:
Admin Complexity:
Investment Options:
Startup Credit:
Portability:
Auto Features:
Advisor Managed:
Owner Only
Owner Only
Employer & employee
401(k) Deferral
Up to 25%
Roth Yes
Loans Yes
Standard 10%
RMD 73
5500 Yes
ERISA No (Owner Only)
Varies by provider
Low
Level II
Credit Available
Rollover In/Out
None
Advisor Managed Yes
For self-employed individuals or small-business owners, primarily with only a few employees.
Business Size
Best Suited For:
Who Contributes:
Employee Deferral:
Employer Contribution:
Roth Option:
Loan Availability:
Early Withdrawal:
RMD Age:
IRS Filing:
ERISA Status:
Fees:
Admin Complexity:
Investment Options:
Startup Credit:
Portability:
Auto Features:
Advisor Managed:
Any business size
1โ4 Employees
Employer Only
No Deferral
Up to 25%
Roth No
Loans No
Standard 10%
RMD 73
5500 No
ERISA No (Owner Only)
Varies by provider
Low
Level II
Credit N/A
Rollover In/Out
None
Advisor Managed Yes
For businesses with 100 or fewer employees and self-employed individuals.
Business Size
Best Suited For:
Who Contributes:
Employee Deferral:
Employer Contribution:
Roth Option:
Loan Availability:
Early Withdrawal:
RMD Age:
IRS Filing:
ERISA Status:
Fees:
Admin Complexity:
Investment Options:
Startup Credit:
Portability:
Auto Features:
Advisor Managed:
Any business size
5โ19 Employees
Employer & employee
SIMPLE Deferral
Nonelective 2%,Match 3%
Roth No
Loans No
SIMPLE 25% (First 2 Years)
RMD 73
5500 No
ERISA Yes
Varies by provider
Low
Level I
Credit Available
Limited
None
Advisor Managed Yes
A CRA (also known as a โpension trustโ) holds your planโs assets, gives you expanded investment options, and lets you access custom retirement planning tools, research, and resources.
Business Size
Best Suited For:
Who Contributes:
Employee Deferral:
Employer Contribution:
Roth Option:
Loan Availability:
Early Withdrawal:
RMD Age:
IRS Filing:
ERISA Status:
Fees:
Admin Complexity:
Investment Options:
Startup Credit:
Portability:
Auto Features:
Advisor Managed:
Any business size
Any Business Size
Employer Only
No Deferral
Discretionary
Roth No
Loans No
Standard 10%
RMD 73
5500 Yes
ERISA Yes
Varies by provider
High
Level II
Credit N/A
Rollover In/Out
None
Advisor Managed Yes
A Personal Defined Benefit Plan helps self-employed and small business owners save aggressively for retirement by allowing you to make very high contributions.
Business Size
Best Suited For:
Who Contributes:
Employee Deferral:
Employer Contribution:
Roth Option:
Loan Availability:
Early Withdrawal:
RMD Age:
IRS Filing:
ERISA Status:
Fees:
Admin Complexity:
Investment Options:
Startup Credit:
Portability:
Auto Features:
Advisor Managed:
Any business size
20โ99 Employees
Employee Only
No Deferral
DB Formula
Roth No
Loans No
Standard 10%
RMD 73
5500 Yes
ERISA Yes
Setup & Ongoing Fees
High
Level III
Credit N/A
Limited
None
Advisor Managed Yes
The Strategic Value of Employee Retirement Plans
Choosing the best retirement plans for small business owners is a key part of building a strong compensation strategy. A well-structured retirement plan can help attract top talent, improve employee retention, and support long-term financial security for your team. At Global Advisers, we offer customized retirement plan options for employers that align with your business goals, cash flow, and compliance needs. Whether you’re starting from scratch or upgrading an existing plan, our small business retirement plan guide walks you through every stepโfrom plan selection and design to investment oversight and employee educationโensuring your offering is both competitive and sustainable.
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