What tax credits are available?
Up to $5,000/year for three years covering startup costs, plus [...]
Simplest option if not ready for a full 401(k)?
SEP IRA: minimal paperwork, no annual filing, employer-only contributions. If [...]
Does Florida require retirement plans?
No. Florida has no state mandate as of 2026. A [...]
401(k) vs. SEP IRA vs. SIMPLE IRA?
A 401(k) allows both employer and employee contributions with the [...]
Can I start without a match and add one later?
Yes. Many businesses begin with employee-only contributions and add a [...]
Can employees enroll online?
Yes. Digital enrollment, contribution selection, investment choices, and account management [...]
Will my employees actually use it?
Plans with auto-enrollment see significantly higher participation. Most employees who [...]
How much does a 401(k) cost?
Flat monthly fee plus per-participant fee through Human Interest. For [...]
Is a 401(k) worth it for fewer than 10 employees?
Yes. SECURE Act 2.0 credits offset most startup costs for [...]
How much work does this create each pay period?
Almost none. Contributions deduct automatically through payroll. Matches calculated without [...]
