Employee Benefits
A real 401(k) without the administrative burden
Joining the PEO's retirement plan means the testing, filings, and fiduciary structure are handled at the plan level, not on your desk.
What this covers
Plan access
Employees get a 401(k) with payroll-integrated contributions.
Administration handled
Compliance testing and required filings done at the plan level.
Match flexibility
Offer a match or not. The structure is your call.
Common questions
We already have a 401(k). What happens to it?
It depends on the plan. Some merge into the PEO plan, some stay separate. This is a specific question we resolve during quoting, with your plan documents in hand.
Some states require offering a retirement option. Does this satisfy that?
In states with retirement plan mandates, a qualifying employer plan generally satisfies the requirement. We confirm against your state's specific rule.
Retirement contributions change the tax math too.
The calculator accounts for them. Run your real numbers.