Best known for tying payroll and benefits into one system, Gusto offers an integrated way for employers to run payroll, handle HR basics, and add w... - [KTRADE](https://planprovider.pro/provider/ktrade) - Plymouth, IN Third-Party Administrator Retirement plan provider. - [Nationwide Mutual Insurance Company](https://planprovider.pro/provider/nationwide-mutual-insurance-company) - Columbus, OH Third-Party Administrator
Retirement plan administration and recordkeeping are part of Nationwide Mutual Insurance Company’s employee benefits business, supporting employers... - [Lincoln Financial Group](https://planprovider.pro/provider/lincoln-financial-group) - Radnor, PA Third-Party Administrator
Retirement plan administration is a core part of Lincoln Financial Group’s business, with a focus on recordkeeping and compliance support for emplo... - [ForUsAll](https://planprovider.pro/provider/forusall) - San Carlos, CA Third-Party Administrator
Built for startups and small to mid-sized employers, ForUsAll runs 401(k) plans with a focus on plan design and recordkeeping. Founded in 2012, the... - [American Trust Retirement](https://planprovider.pro/provider/american-trust-retirement) - Dubuque, IA Third-Party Administrator
Retirement plan administration and recordkeeping are the core of American Trust Retirement, a division of AmericanTCS. Founded in 1973, the firm wo... - [Ascensus, LLC](https://planprovider.pro/provider/ascensus-llc) - Dresher, PA Third-Party Administrator
Retirement plan administration and recordkeeping are core parts of what Ascensus, LLC does, with a mix of plan design and compliance support for em... - [Americas Best 401k](https://planprovider.pro/provider/americas-best-401k) - Scottsdale, AZ Third-Party Administrator
Built for small and mid-sized employers with roughly 5–500 employees, Americas Best 401k is a retirement plan administrator that focuses on lowerin... - [Ameritas Retirement Plans](https://planprovider.pro/provider/ameritas-retirement-plans) - Lincoln, NE Third-Party Administrator
Retirement plan administration and related financial services, with a focus on recordkeeping and compliance support. Ameritas Retirement Plans work... - [Aspire Financial Services](https://planprovider.pro/provider/aspire-financial-services) - Tampa, FL Third-Party Administrator
Retirement plan recordkeeping is Aspire Financial Services’ main line of work, with a focus on K–12 retirement programs such as 403(b), 457, and IR... - [Basic Capital](https://planprovider.pro/provider/basic-capital) - New York, NY Third-Party Administrator
Runs bundled 401(k) administration with in-house recordkeeping and 3(16) services, built for employers that want a single provider for core plan op... - [BPAS](https://planprovider.pro/provider/bpas) - Utica, NY Third-Party Administrator
Retirement plan administration and recordkeeping are the core of BPAS’s work for employer-sponsored plans. The firm handles day-to-day plan operati... - [Betterment at Work](https://planprovider.pro/provider/betterment-llc) - New York, NY Third-Party Administrator
Betterment at Work is a retirement plan administrator that runs workplace retirement programs with a tech-first recordkeeping platform. Founded in ... - [Canada Life](https://planprovider.pro/provider/canada-life) - Toronto, ON Third-Party Administrator
Retirement plan administration and recordkeeping are a core part of Canada Life’s group business, with participant advice available alongside group... - [Capital Group](https://planprovider.pro/provider/capital-group) - Los Angeles, CA Third-Party Administrator
Capital Group is a retirement plan administrator that handles plan design, compliance, and recordkeeping for workplace retirement plans. Founded in... - [Empower](https://planprovider.pro/provider/empower) - Greenwood Village, CO Third-Party Administrator
Empower is a retirement plan administrator that provides recordkeeping for employer-sponsored retirement plans. It is the second-largest retirement... - [Desjardins Financial Security Life Assurance Company](https://planprovider.pro/provider/desjardins-financial-security-life-assurance-company) - Lévis, QC Third-Party Administrator
Desjardins Financial Security Life Assurance Company is an insurance and retirement savings administrator that runs recordkeeping and participant a... - [Epic Retirement Plan Services](https://planprovider.pro/provider/epic-retirement-plan-services) - Rochester, NY Third-Party Administrator
Retirement plan administration and recordkeeping are the core of Epic Retirement Plan Services (Epic RPS), a third-party administrator that also pe... - [Equitable](https://planprovider.pro/provider/equitable) - New York, NY Third-Party Administrator
Recordkeeping and retirement plan administration are the core of Equitable’s work for employer-sponsored plans. The firm handles day-to-day plan op... - [Fidelity Investments](https://planprovider.pro/provider/fidelity-investments) - Boston, MA Third-Party Administrator
Provides retirement plan administration and recordkeeping for employer-sponsored plans. Fidelity Investments is a multinational financial services ... ## Choosing the Best 401(k) Providers for Your Small Business Selecting from the vast array of **small business 401(k) providers** is one of the most impactful financial decisions a company leader can make. A well-structured retirement plan does more than just help employees save for the future; it serves as a powerful tool for talent retention, recruitment, and significant corporate tax savings. However, for many small business owners, the complexity of plan administration and fiduciary liability can be daunting. ### Key Features to Look for in a 401(k) Provider When evaluating potential providers, it is essential to look beyond just the brand name. The most effective partners for small businesses typically offer: - **Full Payroll Integration:** Automated data syncs between your payroll provider and the 401(k) platform reduce manual errors and administrative burden. - **3(16) and 3(38) Fiduciary Services:** These services offload the legal responsibility for plan administration and investment selection, protecting the business owner from personal liability. - **Transparent Fee Structures:** Look for providers that offer low-cost index funds and clear asset-based or per-participant pricing without hidden "wrap" fees. - **User-Friendly Employee Portals:** Modern digital interfaces increase participation rates by making it easy for employees to enroll and manage their portfolios. ### Maximizing Benefits with the SECURE Act 2.0 Recent legislative changes, specifically the **SECURE Act 2.0**, have made it more affordable than ever for small businesses to start a plan. Eligible employers can now claim tax credits for 100% of plan start-up costs (up to $5,000 annually for three years) and additional credits for employer contributions made to employee accounts. Many top-tier 401(k) providers are now specifically tailoring their offerings to help small businesses capture these incentives automatically. ### Frequently Asked Questions About Small Business 401(k) Plans **What is the difference between a Recordkeeper and a TPA?** A recordkeeper tracks who is in the plan and how much money they have, while a Third-Party Administrator (TPA) ensures the plan stays compliant with IRS and ERISA regulations through annual testing and Form 5500 filings. **Can I start a 401(k) if I am a solopreneur?** Yes. A Solo 401(k) allows business owners with no employees to contribute as both the employer and the employee, leading to much higher contribution limits than a traditional IRA. **How long does it take to set up a new plan?** While traditional providers may take several weeks, many modern fintech 401(k) platforms can have a plan active and ready for enrollment in as little as 5 to 10 business days. By comparing the right 401(k) providers, you can ensure your small business offers a competitive benefit package that scales with your growth while keeping your compliance risks at a minimum. [View full interactive listing on PlanProvider.Pro](https://planprovider.pro/small-business-401k) © 2026 PlanProvider.Pro