Help Them Save. Keep Them Longer.

More easily than most owners expect. Thanks to the SECURE 2.0 Act, startup tax credits may be available that can offset much of the cost of a new plan for the first few years, and running contributions through payroll keeps the ongoing effort low. Your specific tax situation is worth reviewing with your accountant, and we can show you what offering a plan would actually look like.

You can offer a traditional or Roth 401(k), or simpler options like a SIMPLE or SEP IRA that suit smaller teams. Plans can include an employer match, automatic enrollment, and a range of flexible investment options. We help you choose the design that fits your business and your budget.

Since your retirement plan and your payroll run together, contributions are deducted and moved automatically every time you run payroll. There is nothing to calculate or transfer by hand, and the amounts stay accurate as pay changes. It is one of the main advantages of keeping everything in one place.

Not necessarily. An employer match is optional for most plan types, though many businesses offer one to encourage participation and strengthen the benefit. Some plan designs do include a required contribution, and we can walk you through the options so you choose what fits your goals and budget.

That is the part we take off your plate. Retirement plans come with testing, filings, and rules that change over time, and SECURE 2.0 alone introduced dozens of provisions. The plan keeps you current with those requirements, with fiduciary support built in, so you are not the one tracking the legislation.

A state-run program usually offers a basic, one-size option with little flexibility, and setting up a plan on your own means managing a separate provider alongside your payroll. With RPM, your plan runs on a national platform, contributions flow through your payroll automatically, and you have a local contact who knows your account. You get more flexibility and far less to manage.