Small Business Retirement Plans

Business retirement plans
that work now and for the future


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Small Business Plan Basics

An introduction to Retirement Plan Options at T. Rowe Price. Learn about business retirement plan features, benefits, and requirements.

I have a T. Rowe Price Plan

A low-cost, easy-to-administer plan for self-employed individuals or for businesses with up to 100 employees.

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Access Workplace Retirement now

Log in to your workplace retirement plan account.

Plan Administration Activity

Plan Sponsor Web

(PSW) provides plan administrators and small business owners with the tools you need to administer your retirement plan online.

Review our plans

A SEP-IRA provides significant tax-savings potential and T. Rowe Price's low-cost, strong fund performance.

Plan Benefits

  • Tax-Deferred Growth Potential and Generous Contribution Limits
  • Low Costs
  • Tax Savings

The SIMPLE IRA is a low-cost, easy to administer retirement plan for self-employed individuals or for small businesses with up to 100 employees.

Plan Benefits

  • Employee Participation Is Voluntary
  • Attractive Investments
  • SIMPLE IRA Contribution Limits
Individual 401(k)

The Individual 401(k) Retirement Plan allows one-person business owners (and their working spouse) the opportunity to save more for retirement.

Plan Benefits

  • Significant tax savings potential.
  • Choice of either pre-tax and/or after-tax (Roth) salary deferral contributions. 
  • Tax-deferred growth potential and generous contribution limits.
401(k) for Small Business

The Small Business 401(k) provides a cost-effective retirement plan that benefits the plan sponsor and the participant.

Plan Benefits

  • Comprehensive communications
  • 24/7 access for plan participants
  • A variety of investment choices
A retirement account should be considered a long-term investment. Retirement accounts generally have expenses and account fees, which may impact the value of the account. Early withdrawals are subject to taxes and possible penalties. For more detailed information about taxes, consult a tax attorney or accountant for advice.

More account options

To help you reach your financial goals, T. Rowe Price offers a broad range of award-winning investment products and services.