Megaphone

It’s easy to switch. We’ll even set you up for free

RETIREMENT SAVINGS

Smart small business 401(k) plans

Turn a penny saved into a dollar earned with low fees and expert 401(k) guidance. With a plan that integrates with payroll, you’ll take care of the team without any added work.

INVEST IN YOUR TEAM

Offer a 401(k) employees will love

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.

 

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SIMPLIFIED RETIREMENT PLANS

Making your 401(k) easy

Easy plan management

Integrated plans that sync directly with payroll for easy setup and management.

Options for all businesses

Offer benefits that fit your business and employees needs.

Fast setup and onboarding

Easily find and start a plan. Enrolling eligible employees is easy.

LOVED BY CLIENTS

“The ease of implementation was wonderful. Ongoing service is fantastic if I ever have questions (which is rare because it’s so easy). We’ve also added 401k through OnPay and that process was also very quick and easy.”

— Susanne B., National Planning Consulants, Inc.

BOOST RETENTION

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.

TOP PROVIDERS

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.

SAVINGS AND COMPLIANCE

Benefits for your business, too

Reduce your liability

When it comes to plan administration, our partners help handle 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.

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.

LET’S DO THIS

Get started with payroll + 401(k)

Set up your account in minutes and add your employees (or we’ll do it for free). Then choose a retirement plan from one of our integrated 401(k) providers that fits your business and team’s needs – we’ll make sure everything stays in sync and handle your taxes and forms.