The best small business 401(k) plan

Turn a penny saved into a dollar earned with low fees and expert 401(k) guidance.

401(K) + PAYROLL

Making your 401(k) easy

Help your employees plan for the future by offering a 401(k) plan. Our integrated partners offer affordable plans that sync seamlessly with your payroll. All of the plan administration is automated, and you can leave the calculations and withholdings to us.



The best plans and the best value

We partner with Guideline and Vestwell ⁠— two of the best, low-fee providers. Their plans are easy to get started, take less work to administer, and have lower fees than most plans.


Benefit your business, too

Reduce your liability

When it comes to plan administration, our partners help small business 401(k)s by taking on 3(16) and 3(38) fiduciary duties ⁠— ensuring your employees’ best interests come first.

Save money

Offering a 401(k) plan can reduce business payroll taxes and earn small businesses tax credits. Owners and execs can also contribute over $50,000/year to plans that include matching and profit sharing options.

Stay compliant

Get help with compliance testing, or choose a Safe Harbor 401(k) plan to give employees immediate vesting. Our partners’ plans help you get everything right.


The perks your team wants most

A retirement plan is one of the three most important benefits to your employees ⁠— and studies show it helps with hiring and retention. Offering a plan through OnPay makes it easy to help your team save for their future.


Get started with payroll + 401(k)

  1. Set up your account in minutes
  2. Add your employees (or we will do it for free)
  3. Run payroll – we’ll handle your taxes and forms

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