Plain-English guides on the structures, rules, and tradeoffs that matter most to franchise operators, associations, and multi-entity owners — written by a credentialed retirement-plan fiduciary.
When multiple EINs are legally one employer in the eyes of the IRS — and how to structure a plan that stays compliant.
Read the guide → Group PlansA side-by-side comparison on fiduciary liability, audit triggers, setup cost, plan-design flexibility, and portability.
Compare them → InfrastructureWhy a single, vertically integrated system outperforms stitched-together bundled providers — and what it means for cost.
See the difference →Moving from another provider without a contribution blackout — the three-phase, 30 + 90 day timeline explained.
See the timeline → Free DownloadThe four-quadrant checklist for evaluating any provider: responsibility & compliance, technical specs, setup & costs, and perks.
Get the guide → Due DiligenceThe questions every employer should ask — and the services and fees commonly missing — before signing a proposal.
Review the checklist →How franchise operators in asset-light models use a coordinated 401(k), Profit Sharing, and Cash Balance Plan stack to shelter $155,000–$355,000+ annually — entirely from operating income.
See how the stack works → SECURE 2.0Startup, contribution, and auto-enroll credits — what they're worth, who qualifies, and how our team files Form 8881 for you.
See what you can claim → ReferenceCurrent deferral, catch-up, compensation, HCE, and IRA limits for 2026 — the full table at a glance.
View the limits →Mobile onboarding in five minutes, zero transaction fees, a guided portfolio builder, and financial wellness tools included.
See the experience → For EmployeesPlain answers to what employees actually ask: what a 401(k) is, Roth vs. pre-tax, investment options, and rollovers.
Read the answers → PayrollCheck whether your payroll provider connects to your 401(k). 294 providers are on our current list, and most sync deferral changes both ways.
Check your provider →
