Free eBook
The Small Business Guide to Offering a 401(k)
New federal legislation, rising employee expectations, and expanding state mandates have made now the right time to add a 401(k) to your benefits package. This guide walks through your options and shows how to make it work for businesses of any size.
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What you'll walk away with
A practical action plan for businesses ready to compete on benefits, comply with state laws, and use new tax credits to offset costs.
- How SECURE Act 2.0 works for you — A plain-English breakdown of the federal tax credits now available to small businesses that add a 401(k) plan.
- State mandate overview — Which states currently require small businesses to offer a retirement benefit, and what you need to do to stay compliant.
- Recruiting and retention data — The numbers behind why 94% of employers that offer a 401(k) say retirement benefits help drive recruitment.
- Plan options explained — A side-by-side look at the most common 401(k) plan structures so you can choose the right fit for your business size and goals.
- Step-by-step action plan — A clear path from decision to implementation, including how to use tax credits to eliminate or reduce your start-up costs.
The window to act affordably has never been wider
Small businesses are navigating growing state mandates, a workforce that increasingly expects retirement benefits, and a competitive hiring market where candidates weigh total compensation before they even take a call.
SECURE Act 2.0 changes the math on what it costs to offer a plan.
For businesses that move now, federal tax credits can eliminate start-up costs entirely — turning a benefit that once felt out of reach into an affordable competitive advantage.
Get the free guideNow is the ideal time to add a 401(k)
SECURE Act 2.0 is offering unprecedented federal tax credits for small businesses that establish a new retirement plan — in some cases covering 100% of start-up costs.
SECURE Act 2.0More and more states are requiring small businesses to offer employees access to a retirement plan. Getting ahead of the mandate protects your business and avoids penalties.
State mandates88% of today's workers consider a 401(k) a must-have benefit. Without one, your job postings are at a disadvantage before candidates even read them.
Employee expectationsMore than a guide — a partner in benefits strategy
- Built for growing businesses: Practical guidance designed for business owners, HR leaders, and payroll managers at organizations with 10 to 1,000 employees.
- Compliance made manageable: Stay ahead of state retirement mandates with guidance built around your business size and location.
- Tax credit clarity: Understand exactly which SECURE Act 2.0 credits apply to your situation and how to use them to offset costs.
- Recruitment advantage: Use retirement benefits as a differentiator to attract and retain the talent your business needs to grow.
- Ongoing HR and payroll support: Asure helps growing businesses manage the full employee lifecycle, from onboarding to benefits administration.
Built for the people making benefits decisions
This guide is designed for business owners evaluating retirement benefits for the first time, HR leaders navigating state mandate requirements, payroll and operations managers responsible for plan administration, and any organization with 10 to 1,000 employees that wants to compete on total compensation without breaking the budget.
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Review your plan options and tax credit eligibility
Add a 401(k) that works for your business and your budget
Recruit better. Comply faster. Spend less getting there.
Get the plain-English breakdown of SECURE Act 2.0 tax credits, state mandate requirements, and plan options that make offering a 401(k) achievable for businesses of any size.