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Small Business Retirement Plans


Schwab offers plans for businesses of any size. Use the information here to begin narrowing your options, or simply give us a call for help choosing the right plan for your business, whether your company employs one or many.

Individual 401(k) Plan

Who it’s for:

Owner-only businesses with no employees

Key features:

  • All the benefits of a traditional 401(k)
  • High contribution limits
  • Easy to administer


Who it’s for:

Owner-only businesses or those with just a few employees

Key features:

  • No IRS filing or reporting
  • Allows for contributions for you and any employees
  • Easy to administer


Who it’s for:

Businesses with up to 100 employees

Key features:

  • Primarily funded with employee salary-deferral contributions
  • Employer-matched contributions up to 3%
  • An easy and economical plan to administer

Personal Defined Benefit Plan

Who it’s for:

Owner-only businesses or those with up to five employees

Key features:

  • Highest contribution limits 
  • Contributions are generally 100% tax-deductible
  • Helps target your desired level of income in retirement

Personal defined benefit plan details

Business 401(k) Plan

Who it’s for:

Businesses of any size

Key features:

  • Permits a higher level of salary deferrals by employees than other plans
  • Optional annual employer contributions
  • Greater plan customization

Business 401(k) plan details

Company Retirement Account (CRA)

Who it’s for:

Businesses with an established retirement plan

Key features:

  • An investment-only solution
  • Access to Schwab’s full range of investment options
  • $0 account open or maintenance fees. Other account fees, fund expenses, and brokerage commissions may apply1.

Company Retirement Account details

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