Retirement & 401(k) Plans for San Francisco, Bay Area Employers

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The Importance of Retirement Plans

In the competitive Bay Area job market, offering a solid retirement plan is essential. From smaller firms in San Francisco, Bay Area to growing tech companies in Sunnyvale, a 401(k) or similar retirement vehicle demonstrates commitment to employee long-term success—and helps meet California’s CalSavers mandate for companies without a plan.

Plan Types & Options

We help you evaluate 401(k) plans, SIMPLE IRAs or SEP IRAs—depending on employee size and budget. A 401(k) allows employer match and has flexibility in vesting and investment options. We assist with provider selection, participant education and matching strategy so you strike the right balance between benefit design and cost.

Compliance & Administration

California employers face obligations including CalSavers enrollment if no private plan exists, nondiscrimination testing, fiduciary oversight and yearly reporting. We support you in navigating these requirements and offer partner-based administrative support to ease the burden on management or HR teams.

Retirement Plan FAQs

  • Are small businesses in California required to offer a retirement plan?

    If you have five or more employees and no plan, you must either join CalSavers or offer a private qualified retirement plan.

  • How much does it cost to start a 401(k)?

    Initial setup fees are often offset by tax credits for small employers; premium designs may cost a few hundred dollars annually for small groups.

  • Do we have to match employee contributions?

    No—employer match is optional. Many firms begin with a modest match (e.g., 3 %) and advance over time.

  • Who manages investments and plan rules?

    A record-keeper/trustee handles investments; we help you select the right provider and document fiduciary responsibilities.

Help Your Team Plan for Tomorrow

If you would like to talk about how a retirement plan or 401(k) can benefit your business and team, let’s schedule a discussion and see how we can design a program that fits your culture and goals.

  • (408) 526-1112