The easy,
affordable
retirement platform
for all businesses
The easy,
affordable
retirement platform
for all businesses
Creating a roadmap to retirement
We’ve made it our mission to help everyone arrive at a safe, secure retirement, whether you’re a small business owner, an employee, or self-employed. Our platform takes complexity and doubt out of retirement planning and replaces it with knowledge and clarity—so you can invest in your financial future with confidence.
Our rules for retirement savings: Simple. Seamless. Smart.
Simple plan management
We handle plan administration, employee onboarding, government filings, and more. So you can offer a work benefit without all the added paperwork.
Seamless payroll integration
With API payroll integration, we can securely sync employee data, track 401(k) eligibility, and process deductions—saving you time and hassle each pay run.
Smart investing
Our investment portfolios rebalance automatically to help you stay on track for retirement.
Why offer a retirement plan to employees?
Attract & retain quality employees
A qualified retirement plan can help your firm look more attractive to qualified employees. Finding quality employees can be a challenge today, especially when a job seeker is considering multiple job offers.
Lower income taxes
As a business owner you are able to match the contributions made by your employees. Your matching contributions (up to acceptable limits) are tax deductible. When starting a plan, you may also qualify for an additional tax credit.
Invest in your own retirement
You can invest money for your own retirement in the plan you set up for your employees. And, thanks to tax-free compounding of retirement plans, you’ll unlock financial freedom for your future.
Retirement Plan Comparison
Features | SEP IRA | SIMPLE IRA | 401(k) | Solo 401(k) |
---|---|---|---|---|
Maximum Number of Employees | 100 | 100 | Any | None; can include spouse if employed |
2022 Contribution Limits | ||||
Annual Contribution Limits | $61,000 | $14,000 | $61,000 | $61,000 |
Catch-up Contribution (age 50 or older) | n/a | $3,000 | $6,500 | $6,500 |
2023 Contribution Limits | ||||
Annual Contribution Limits | $66,000 | $15,500 | $66,000 | $66,000 |
Catch-up Contribution (age 50 or older) | n/a | $3,500 | $7,500 | $7,500 |
Additional Features | ||||
Allows Employee Contributions | ✗ | ✓ | ✓ | ✓ |
Allows Employer Contributions | ✓ | ✓ | ✓ | ✓ |
Mandatory Employer Contributions | ✗ | ✓ | ✓ | ✗ |
Additional Plan Types | n/a | n/a | • Traditional 401(k)
• Roth 401(k) • Safe Harbor 401(k) • Automatic Enrollment |
• Traditional 401(k) |
Employer Contribution Matching Options | n/a | 2% nonelective or up to 3% matching | Depends on plan type; offers both nonelective and matching | n/a |
Annual IRS Filing Required | No | No | Yes | Depends |
Additional Plan Features | n/a | n/a | Profit-sharing, age-weighted, and new comparability available | Profit sharing: 25% of compensation or special rules for self-employed |
Can Atticus help your business set up and manage this plan? | ✓ YES! | ✓ YES! | ✓ YES! | ✓ YES! |