Retirement Plans for Small Business

High-impact plans for smaller firms and startups
Plans for Small Businesses

For smaller firms, selecting the right plan is especially important. Your benefits are a valuable tool for attracting and retaining top talent. By offering a strong plan, you send a message to your employees and to your competitors.

At Fidelity, we understand that you are pulled in a lot of directions. We can help you quickly find a plan that's both effective and easy to run, so you can get back to other important priorities. Review different plan options below and visit other Fidelity sites to learn more, or compare plans side by side.


For self-employed individuals and small-business owners

If you're self-employed or own a small firm, a Simplified Employee Pension Plan, or SEP-IRA, may be an easy way to boost your own retirement savings options.
Learn more about SEP-IRAs on

Self-Employed 401(k)

For business owners with no employees other than a spouse

The Fidelity Self-Employed 401(k) plan is well suited to owner-only businesses in which the owners wish to maximize their retirement savings contributions. There is no setup fee or annual account fee.1
Learn more about Self-Employed 401(k)s on


For businesses with 100 or fewer employees

The SIMPLE IRA was designed to make it easier for businesses with 100 or fewer employees to offer a tax-advantaged, company-sponsored retirement plan that allows employers and employees to share the savings burden.
Learn more about SIMPLE IRAs on

Investment Only Account

An investment vehicle for customized retirement plans

The Fidelity Non-Prototype Retirement Account provides access to a full brokerage offering, including mutual funds, stocks, bonds, and CDs. Your retirement plan administrator or trustee(s) handles recordkeeping and tax reporting services.
Learn more about Investment Only Accounts on

1There is no brokerage account fee on Fidelity's Traditional, Roth, SEP, and Rollover IRAs. Fund expenses and brokerage commissions still apply. Depending on your situation, fees may include low-balance fees, short-term trading fees, and account closing fees. Other fees and expenses applicable to continued investment are described in the fund's current prospectus.