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 organizationโ€”from business owners and administrative teams to executives and employees.

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  • 401k Plans โ†’

    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 Enroll, Auto Escalation

    Advisor Managed Yes

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  • Self Employed 401k โ†’

    For self-employed individuals and owner-only businesses. The ownerโ€™s 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

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  • SEP IRA โ†’

    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

    1โ€“4 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

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  • SIMPLE IRA โ†’

    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

    5โ€“19 Employees

    Employer & employee

    SIMPLE Deferral

    Match 3%,Nonelective 2%

    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

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  • Company Retirement Account โ†’

    A CRA (also known as a โ€œpension trustโ€) holds your planโ€™s 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

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  • Defined Benefit Plan โ†’

    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

    20โ€“99 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

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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 stepโ€”from plan selection and design to investment oversight and employee educationโ€”ensuring your offering is both competitive and sustainable.

FAQs

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