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What Is a Small Business Retirement Plan?

By Kristi WaterworthUpdated Jul 4, 2025 at 12:20 AM

Key Points

  • Small businesses can easily offer IRAs and 401(k)s, with minimal admin required.
  • Simplified plans like SIMPLE IRAs allow both employer and employee contributions.
  • Safe Harbor 401(k)s avoid complex annual testing, ideal for very small businesses.

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