For Business Owners

Employer Retirement Plans

Offering a retirement plan helps you attract talent, reward your team, and cut your own tax bill. Tell us about your business to see which plan fits, what it could cost you, and how the options compare — with current 2026 contribution limits.

Number of employeesIncluding yourself10

Average annual salary

Your age (the owner)Affects Cash Balance fit50

What matters most to you?

Employer contributionFor the cost estimate below4%

Expected participationShare of staff who enroll75%

Suggested starting point

Safe Harbor 401(k)

Estimated annual employer cost
(match-style, based on participation) $0

If instead you fund everyone
(SEP / non-elective, all payroll) $0

Compare the options

2026 IRS limits shown. Your suggested plan is highlighted.

Talk to an ARIA advisor

Educational illustration only, using 2026 IRS contribution limits (Notice 2025-67); limits change annually. Cost figures are rough estimates that ignore eligibility rules, vesting, testing, highly-compensated limits, and plan fees. This is not tax, legal, or investment advice — plan selection should be done with ARIA and your tax advisor. All investing involves risk.

ARIA Wealth Management · Client focused. Experienced advisors.