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6 Reasons to Use The Online 401(k)®

Variety of Investments

We give you the option of having your funds selected and monitored by a trusted third-party investment expert.

A Web-based Solution

Run reports, check account balances, manage your portfolio — all with the click of a button. Simple.

Simple Way to Save

Save for your future without even thinking about it through payroll deductions or automatic transfers from your bank account, depending on the type of plan.

Help When You Need It

Questions? Problems? You'll always have live support available to you when you need it — we're just a phone call or an email away.

Easy-to-Understand Pricing

Our pricing structure is based on a flat fee — not the amount of money in the plan. No minimum balances, no asset-based fees. Period.

Build Your Own Future

Whether you’re looking for a retirement solution for your small business or just an extra way to save for your own future, you've got options.

Get to know our plans

Need help deciding?

Start here and find the right plan that fits you with our sign-up assistant.Find the right plan

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Hello!

We understand you're interested in a retirement plan. We're here to help you narrow down your options and get you pointed in the right direction.

Now, let’s get started.

Do you want a retirement plan for just yourself or your business?

Just for myselfFor my businessCan I have both?

We think you'll like: nav-saverk

Saver(k) is an Individual Retirement Account (IRA) for the individual, with no business required. With Saver(k), you have a choice of Traditional IRA or Roth IRA, depending on your situation. It's a great start to individual retirement savings, and you can also stack it on top of any work-sponsored plan.

Learn more

Interested in both an individual retirement plan and a plan for your business? We can help you get the best of both worlds.

To help determine the best plan(s) for you based on your specific needs, let’€™s first look at the structure of your business.

Continue

Do you have employees who work more than 20 hours a week?

YepNope

Are you most interested in a 401(k) plan or a payroll deduction IRA?

401(k)Payroll deduction IRAUhh...not sure

How important is it to you to have the maximum retirement savings potential for yourself and your employees?

Very important — I want the greatest savings potential possibleNot a big deal — I just want to get started with a simple solution

You could be a perfect fit for: Single(k)

Our Single(k) plan is a 401(k) plan designed specifically for the owner-only business (with no or only part-time employees) looking to maximize their retirement savings potential.

Learn more

You might also want to consider: Saver(k)

Saver(k) is an Individual Retirement Account (IRA) for the individual, with no business required. With Saver(k), you have a choice of Traditional IRA or Roth IRA, depending on your situation. It’s a great start to individual retirement savings, and you can also stack it on top of any work-sponsored plan.

For the greatest potential for retirement savings and tax benefits for you and your business, consider pairing Saver(k) with your Single(k) plan.

Learn more

or: nav-starter-k

Starter(k) is an Individual Retirement Account (IRA) that allows for contributions to be made directly through payroll deductions. It's the quickest, simplest retirement solution for businesses with 1-100 employees – at a low cost to fit the budget of a growing business.

For the greatest potential for retirement savings and tax benefits for your business and your employees, consider pairing Starter(k) with your Single(k) plan.

Learn More

How many employees do you have?

100 or lessMore than 100

Sometimes, it's not always a match.

Our retirement plans are designed specifically for the small and growing business with 0-100 employees.

If this isn'€™t you, our plans may not be a good fit for your business.

To discuss your options with a Retirement Plan Consultant, feel free to contact us at hello@theonline401k.com or 855.401.7253.

Have you thought about an Individual Retirement Account for yourself?

nav-saverk

Saver(k) is an Individual Retirement Account (IRA) for the individual, with no business required. With Saver(k), you have a choice of Traditional IRA or Roth IRA, depending on your situation. It's a great start to individual retirement savings, and you can also stack it on top of any work-sponsored plan.

Learn more

Are you most interested in a 401(k) plan or a payroll deduction IRA?

401(k)Payroll deduction IRAUhh...not sure

We think you€'ll like: Starter(k)

Starter(k) is an Individual Retirement Account (IRA) that allows for contributions to be made directly through payroll deductions. It's the quickest, simplest retirement solution for businesses with 1-100 employees at a low cost to fit the budget of a growing business.

For the greatest potential for retirement savings and tax benefits for your business and your employees, consider pairing Starter(k) with a 401(k) plan, like our Express(k) plan.

Learn more

You might also want to consider: Express(k)

Express(k) is our most affordable 401(k) plan for businesses with 1-100 employees. It offers pre-set plan provisions, and because this plan comes straight off the shelf, it's generally a good fit for the business owner who just wants to get a solid 401(k) plan in place as quickly as possible, with minimal hassle.

For the greatest potential for retirement savings and tax benefits for your business and your employees, consider pairing Express(k) with your Starter(k) plan.

Learn more

How important is it to you to have the maximum retirement savings potential for yourself and your employees?

Very important —€“ I want the greatest savings potential possibleNot a big deal —€“ I just want to get started with a simple solution

Tell us what is most important to you when it comes to a 401(k) plan for your business.

Maximum flexibility and investment optionsKeep it simple

We think you'll like: Custom(k)

Our Custom(k) plan offers the greatest value with the most flexibility of options — including the ability to contribute post-tax dollars and maximize the amount owners can contribute. You and your employees will also have more flexible investment options and a self-directed brokerage account.

For the greatest potential for retirement savings and tax benefits for your business and your employees, consider pairing Custom(k) with a payroll deduction IRA, like our Starter(k) plan.

Learn more

You might also want to consider: Starter(k)

Starter(k) is an Individual Retirement Account (IRA) that allows for contributions to be made directly through payroll deductions. It's the quickest, simplest retirement solution for businesses with 1-100 employees — at a low cost to fit the budget of a growing business.

For the greatest potential for retirement savings and tax benefits for your business and your employees, consider pairing Starter(k) with your Custom(k) plan.

Learn more

Would you prefer to have a 401(k) plan with just the basic features or a custom 401(k) plan with more options for your business, like the ability to contribute after-tax dollars and have a self-directed brokerage account?

Customize my planJust the basics

We think you'€™ll like: Express(k)

Express(k) is our most affordable 401(k) plan for businesses with 1-100 employees. It offers pre-set plan provisions, and because this plan comes straight off the shelf, it's generally a good fit for the business owner who wants a solid 401(k) plan in place as quickly as possible, with minimal hassle.

For the greatest potential for retirement savings and tax benefits for your business and your employees, consider pairing Express(k) with a payroll deduction IRA, like our Starter(k) plan.

Learn more

You might also want to consider: Starter(k)

Starter(k) is an Individual Retirement Account (IRA) that allows for contributions to be made directly through payroll deductions. It's the quickest, simplest retirement solution for businesses with 1-100 employees - at a low cost to fit the budget of a growing business.

For the greatest potential for retirement savings and tax benefits for your business and your employees, consider pairing Starter(k) with your Express(k) plan.

Learn more