Simple, Flexible Retirement Solutions
ClearPalm’s retirement benefits are designed to help small and mid-sized businesses offer competitive 401(k) plans—without complexity, high costs, or administrative headaches.
Payroll + Retirement = Smarter Benefits
Contributions are calculated accurately.
Compliance is easier to manage.
Administrative work is reduced.
Employees gain confidence in their future.
Why Offer Retirement With ClearPalm
- Attract & Retain Employees: Competitive retirement benefits help you stand out in today’s job market.
- Easy Setup & Administration: We handle the heavy lifting—from plan setup to ongoing support.
- Payroll-Integrated Contributions: Contributions sync automatically with payroll — dramatically reducing manual work and administrative overhead.
- Compliance Support: Stay aligned with regulations and reporting requirements.
- Real Human Support: No call centers—just a team that knows your business.
Retirement Benefits Shouldn’t Be Complicated
Simple plan setup.
Reduced administrative burden.
Clear contribution tracking.
Integrated payroll and reporting.
Ongoing guidance and support.
You get peace of mind knowing your retirement plan is supported by dedicated specialists who help you manage plan requirements and stay aligned with evolving regulations.
Better Experience for Your Employees
Confident Employees = Stronger Teams
Our employee portal makes retirement planning clear and accessible.
Employees can:
Enroll in retirement plans digitally.
View contribution details anytime.
Make changes easily.
Track their long-term savings.
No paper forms. No confusion. Just a modern, employee-friendly experience.
What You Can Do With ClearPalm Retirement
Retirement Plan Management
Offer 401(k) retirement plans.
Employer and employee contributions.
Flexible contribution options.
Automatic payroll deductions.
Compliance & Support
Regulatory guidance.
Required reporting support.
Audit-ready documentation.
Ongoing plan monitoring.
Employee Self-Service
Easy enrollment.
Online account access.
Contribution visibility.
Secure personal information.
Integrated Payroll
Seamless payroll sync.
Accurate deductions every pay cycle.
Reduced errors and manual work.
One unified system.
Industries We Serve
We take the time to understand how your business operates and deliver services aligned with your specific needs.
Healthcare and Medical
Construction & Contracting
Retail & E-Commerce
Food & Hospitality
Wholesale & Manufacturing
Professional Office
Real Estate
Transportation
Technology & Software
Other Industries
What Makes ClearPalm Different
A Client-first approach built on experience, trust, & real results.
Affordable
Bundled solutions designed to lower your overall business costs while simplifying your monthly expenses—without sacrificing quality or support.
All-in-One
Payroll, workers’ comp, insurance, HR tools, and bookkeeping—fully integrated and managed together to save time and improve efficiency.
Family-Owned
Real people, real support, and real relationships. We care about your business because we build long-term partnerships, not transactions.
Trusted Across Florida
Businesses across Florida rely on us for consistent, accurate service backed by a team with 35+ years of combined industry experience.
Real Results That Make a Difference
We Reduce up to
40%
in payroll administrative time
We Save businesses an average of
$4,800
in payroll fees, each year!
We Bundle your insurance to save
$7,200
on average
Based on ClearPalm client data.
Trusted by Florida Business Owners
See what our clients say.
EXCELLENTTrustindex verifies that the original source of the review is Google. Have been doing our payroll for 9+ years, excellent customer service from Gus and the team!Posted onTrustindex verifies that the original source of the review is Google. We’re a family owned business and needed an emergency bond on a Saturday. They were kind enough to answer when they were off and rushed us a bond immediately. They were super responsive and could have not been more professional and expedient. I would use them for any Bond recommendation. Highly recommend! Great business!!!Posted onTrustindex verifies that the original source of the review is Google. ⭐️⭐️⭐️⭐️⭐️ Thank you Gus so much for everything you all do! We truly appreciate all the help and support from the entire Clear Palm Inc team. Communication is always so easy and our questions are answered quickly and with care. We always feel valued and well taken care of — your family-style service really makes a difference!Posted onTrustindex verifies that the original source of the review is Google. Gus is fantastic! Outstanding service—very responsive and knowledgeable. They found the best rates for our coverage and made the whole process simple and stress-free.Posted onTrustindex verifies that the original source of the review is Google. Working with Gus gave me a feeling of confidence. He understood what I needed and was a great person to talk with. He assisted me with everything feom beginningto end. The service he provided was a top tier experience I will be referring him to my family and friends!Posted onTrustindex verifies that the original source of the review is Google. Professional, very knoledgeable, very efficient. Thank you Gus for making it super easy for me. Ildiko VargaPosted onTrustindex verifies that the original source of the review is Google. Absolutely Phenomenal Service! Phone to completion was less than an hour! Very impressed and will be using them going forward and referring them to our other associates in the Pool industry!!!Posted onTrustindex verifies that the original source of the review is Google. Jose and Estrella were amazing!! They were very detailed and quick with all threir work and services!!!Posted onTrustindex verifies that the original source of the review is Google. I had a fantastic experience working with Gus at Clearpalm. He was incredibly helpful throughout the entire process—knowledgeable, patient, and always quick to respond to my questions. Insurance & Payroll can be confusing, but Gus made everything easy to understand. Highly recommend him and the team at Clearpalm!Posted onTrustindex verifies that the original source of the review is Google. Always available for support, and platform is very user friendly if only I could remember my password lol
Frequently Asked Questions
Almost none. Contributions deduct automatically through payroll. Matches calculated without manual work. Most employers spend no extra time after setup.
Yes. SECURE Act 2.0 credits offset most startup costs for three years. Even 3–5 employee businesses can offer a plan at minimal net cost, and it is a powerful recruiting advantage.
Flat monthly fee plus per-participant fee through Human Interest. For many small businesses, SECURE Act credits cover most or all of the cost in years 1–3.
Plans with auto-enrollment see significantly higher participation. Most employees who are auto-enrolled stay enrolled.
Yes. Digital enrollment, contribution selection, investment choices, and account management through Human Interest. No paper.
Yes. Many businesses begin with employee-only contributions and add a match when budget allows.
A 401(k) allows both employer and employee contributions with the highest limits. SEP: employer-only. SIMPLE: both, lower limits. For 5+ employees, 401(k) is typically best.
No. Florida has no state mandate as of 2026. A 401(k) is voluntary, but federal tax credits make it increasingly attractive.
SEP IRA: minimal paperwork, no annual filing, employer-only contributions. If employees want to contribute their own money, you need a SIMPLE IRA or 401(k).
Up to $5,000/year for three years covering startup costs, plus $500/year for auto-enrollment. For businesses with up to 50 employees. Claimed on IRS Form 8881.
