Small Business 401(k) - Small Business Retirement Plans - T. Rowe Price

A Small Business 401(k) offers assistance with your Plan's administration

For business with fewer than 1,000 employees, this 401(k) plan offers a cost-effective structure that can benefit the plan sponsor and the participant.
Call 1.800.831.1370 to get started.
Small Business 401(k) Plan
Eligible Employer: Varies by plan. Generally any employer with fewer than 1,000 employees.
Employer Contributions: Available feature
Salary Deferrals Allowed

Available feature

Salary deferrals up to $18,000 in tax years 2016 and 2017 ($24,000 if age 50 or older).

Employer Fees: Small Business 401(k) fees vary by plan
Annual IRS Form 5500 and special IRS testing to ensure plan doesn't favor highly compensated employees
Investment Options: Broad range of T. Rowe Price and non-T. Rowe Price investments
SIMPLE IRA Plan Benefits

Small Business 401(k) Plan Benefits

Plan Sponsor Resource Center
  • This online resource puts a wide range of information and tools at plan sponsors' fingertips and helps to save time and money by performing many administrative functions.
Comprehensive communications
  • Enrollment materials, employee meetings, telephone support, and 24-hour automated telephone access are all available to help educate and inform employees about the benefits of retirement saving and investing.
24/7 access for Small Business 401(k) plan participants
  • The participant website provides 24/7 access to account information and plan features, as well as provides the ability to conduct transactions anytime.
A variety of investment choices
  • Plan sponsors may select from over 100 no-load mutual funds and common trusts and over 5,400 nonproprietary funds in addition to a self-directed brokerage option.1
Supported Plans
  • Defined contribution plans
  • Defined benefit plans
  • Nonqualified plans
  • Combination plans
  • 457(b) plans
  • 403(b) plans
1Copyright 2017, T. Rowe Price Investment Services, Inc., Distributor. All rights reserved. T. Rowe Price Brokerage is a division of T. Rowe Price Investment Services, Inc., member FINRA/SIPC. All rights reserved. Brokerage and TradeLink accounts are carried by Pershing LLC (Pershing), member NYSE/FINRA/SIPC, a subsidiary of The Bank of New York Company, Inc., which acts as a clearing broker for T. Rowe Price Investment Services, Inc.