The Best Small Business 401(k) Plan?

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

Simplify payroll for just $36 + $4/person monthly. Our payroll service automates the math, tax filings and paychecks, you do what you do best. Error-free guarantee.

  • Making a 401(k) easy

  • Completely integrated experience
  • Automatic withholdings
  • Safe harbor plans and contribution matching
  • Fee-free investment management
  • Employee onboarding and education

Lowest fees in the industry

We partnered with Guideline, America's Best 401k, and Vestwell to help you invest in your employees' future. For a one-time plan setup fee and a low monthly per-participant fee, you get 100% automated 401(k) plan administration. Transfer existing plans for free. Help your employees save. It's that simple.

The Best Options for a Small Business 401(k)

Great Providers

Keep fees low, save time, and get great investment choices. We picked Guideline, America’s Best, and Vestwell because they are some of the very best.

Benefits Employees Want

A retirement plan is one of the most important benefits to your employees. Offering a 401(k) through OnPay makes it easy for them to plan for the future.

You Save, Too

Your business can get up to $1500 in tax credits, and you personally can put away over $50,000/year if your 401(k) plan includes matching and profit sharing options.

Compliance? Check!

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

No Heavy Lifting

All the plans we work with are designed to do all the hard work for you. You won’t have to worry about making payments, onboarding employees, or anything else.

Reduce Your Liability

Our providers also help small business 401(k)s by taking on 3(16) and 3(38) fiduciary duties, ensuring your employees’ best interests come first.

Getting started is easy

  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
  • Try us. Your first month is free.
Serving Clients for Over 30 Years
Offering a small business 401(k) is just one of the many things OnPay does. We’re dedicated to helping you take care of your employees, and that starts with payroll software that saves you time and money. We also integrate with your favorite back office software and offer health benefits in 50 states. When it comes to 401(k) plans, we work with the best in the industry (Guideline, AB401k and Vestwell) to make sure your small business gets it right — and that everyone has the opportunity to save.

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