401k Retirement Plans

Retirement Plans Shouldn't Be a Hassle

Customizable and Cost-Effective 401(k) Plans Tailored to Your Business Needs, No Matter the Size.

Explore our flexible options tailored to fit your business needs

At Brand’s Payroll, we make it easy and affordable for businesses to offer retirement plans—whether 401(k) or 403(b). We handle the complexities, so you don’t have to.

Seamless Onboarding:

Get started quickly with minimal hassle.

Flexible Plans:

Choose from a variety of plan designs, including Safe Harbor options.

Employee Support:

Employees gain access to an intuitive mobile app and personal financial management tools to make managing their retirement savings simple and effective.

Expert Guidance:

We’re here to help, providing support every step of the way, from plan design to implementation.

“Brand's 401(k) solution removes many of the hurdles to a cost effective and easily administered 401(k) plan”

Nathan B., CPA

What Are Retirement Plans?

Retirement plans are employer-sponsored programs that help employees save for retirement, offering tax benefits and long-term financial security. Offering these plans is essential for attracting and retaining talent, boosting employee satisfaction, and ensuring compliance with state regulations.

State Requirements for
Retirement Plans

Several states, including NY, NJ, and CT, mandate businesses to offer retirement plans to avoid penalties. Complying with these mandates not only avoids penalties but also provides your employees with the security they deserve.

Take Advantage of Flexible, Simple, and Cost-Effective Retirement Solutions

Affordable & Scalable

Our plans are designed to grow with your business. Whether you’re a small team or expanding rapidly, our solutions provide flexibility at every stage. Plus, with competitive pricing, offering retirement benefits is more accessible than ever.

Easy Setup & Administration

We’ve streamlined the setup process so you can get started in no time. With our intuitive platform, your employees can access and manage their accounts with ease. We handle the heavy lifting so you can focus on what matters most.

Tax Benefits & Incentives

Maximize savings with tax advantages for both you and your employees. Plus, our plans qualify for tax credits under certain conditions, helping you save even more.

Support for Non-Profit Organizations

In addition to 401(k) plans, we also offer 403(b) options tailored for non-profits, ensuring your team members have the retirement options they deserve, regardless of your business model.

Get Started

Seamless Integration: The Ultimate Payroll and 401(k) Solution

With Brand’s fully-integrated 401(k) administration solution, information flows seamlessly between payroll and retirement, ensuring a smooth exchange of data in both directions.

Here’s what you no longer have to worry about:

No more duplicate new
hire entries:

When new hires are entered into your Brand’s Paydeck Portal, their information is automatically passed to the 401(k) system.

No more duplicate terminations:

When an employee’s status is updated in your portal, the change automatically flows to the 401(k) system.

No more entering payroll data in the 401(k) system:

Payroll details are automatically transferred from your portal to the 401(k) system, saving you time and reducing manual input.

No more checking deductions and loans:

Deferrals, loans, and contributions adjust automatically.

Smooth exchange of data in both directions

Payroll

401(k)

New hires

New terminations

Contribution details

401(k)

Payroll

Deferral amounts

Deferral types

Loans and loan repayment details

Retirement Solutions for Diverse Needs

Non-Profit Organizations:

We provide tailored 403(b) retirement plans designed specifically for non-profit entities, ensuring your team has access to the retirement benefits they deserve.

Self-Employed Individuals:

Our Solo 401(k) plans empower self-employed professionals to contribute up to $69,000 in 2024, offering a robust opportunity to secure your financial future.

FAQ

What’s the difference between a 401(k) and an IRA?

A 401(k) is employer-sponsored with higher contribution limits, while an IRA is individually managed with lower limits but more investment flexibility.

Can my business get tax credits for offering a 401(k)?

Yes, businesses can qualify for tax credits to offset administrative costs and employer contributions. The credit covers 50 to 100 percent (depending on the size of the employer).

What happens if I leave my job with a 401(k)?

You can roll it over into another retirement account, keep it with your employer, or withdraw it (subject to penalties if under retirement age).

How flexible are the 401(k) plans offered by Brand’s Payroll?

Brand’s Payroll offers flexible 401(k) plans, including Safe Harbor options, to match your business needs and goals.

What tax benefits can my business gain from offering a 401(k)?

Businesses that offer a 401(k) may qualify for tax credits to help offset administrative costs, reducing expenses and maximizing savings.

Can Brand’s Payroll integrate 401(k) contributions with payroll?

Yes, Brand’s Payroll seamlessly integrates 401(k) contributions with payroll, automatically syncing data to ensure smooth contributions and adjustments—eliminating the need for manual entry. Through our policy partners, payroll data is securely transferred to and from the 401(k) system.

Are there any state requirements for offering a 401(k)?

Yes, some states require businesses to offer retirement plans. Non-compliance can result in penalties, so it’s important to stay informed about your state’s regulations.

Can self-employed individuals benefit from a 401(k) plan?

Yes, self-employed individuals can take advantage of solo 401(k) plans, contributing up to $70,000 in 2025 to secure their financial future.

How easy is it to set up a 401(k) plan with Brand’s Payroll?

Setting up a 401(k) plan with Brand’s Payroll is quick and seamless, thanks to our streamlined onboarding process and dedicated support.

Can employees contribute to both a 401(k) and an IRA?

Yes, employees can contribute to both a 401(k) and an IRA, as long as they adhere to the contribution limits for each account.

What happens if an employee misses their 401(k) contribution deadline?

If an employee misses a 401(k) contribution deadline, they may be able to make it up through salary adjustments within the same year. However, it's crucial to adhere to deadlines to avoid potential tax complications and, in some cases, penalties.

Offer retirement plans for your team.