401(k) Plans for Businesses

Schwab makes it easy to get a retirement plan that's individually designed for your business, regardless of its size. With a 401(k) plan, employees can typically make larger salary deferrals than with other retirement plans, and your business gets tax benefits.

What do I get with a Schwab 401(k) plan for my business?

Every Schwab account comes with investment help and guidance. With this account, you can also get:

  • A customizable plan
  • Business tax advantages
  • Higher employee contributions than other plans offer
  • Optional employer-matched contributions
  • Tax-advantaged growth

Account pricing

Fees vary and are based on business needs and solutions.

This information is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, Financial Planner or Investment Manager.

Ready to get started?

Call 877-456-0777 for more information or to get help setting up a 401(k) plan.

Related questions

Have questions about 401(k) plans for businesses? Here are responses to some of the most common questions we hear. If you have a specific question that's not answered below, please call us at 877-456-0777.

Part-time employees who have completed at least 500 hours of service in two consecutive years must also be included.

Employee contributions are generally made with pre-tax dollars, although some 401(k) plans feature after-tax Roth contributions. Earnings grow tax-deferred.

The plan is funded with elective employee salary deferrals and optional annual employer contributions. The plan does not need to be funded annually. Employer contributions are tax-deductible up to 25% of participant compensation. Employee salary deferrals are fully vested immediately, while employer contributions vest according to plan terms.

Employees may make an elective salary deferral of up to $23,500 for tax year 2025 and $24,500 for 2026 (not to exceed total contributions of $70,000 for tax year 2025 and $72,000 for 2026). (For those 50+ who didn't turn age 60-63 during the year can contribute an additional $7,500 for tax year 2025 and $8,000 for 2026; those turning 60-63 during the year can contribute an additional $11,250 for tax year 2025 and 2026)

Take the next step.

Call 877-456-0777 for more information or to get help setting up a 401(k} plan.

Additional small business resources