A woman at her desk uses Retail401k tools for multiple employer plan support. A woman at her desk uses Retail401k tools for multiple employer plan support.

Retail401K

Simplify your Retirement Plan with a MEP 401K for your Business

Multiple Employer Plan 401k Solutions for Small Business Success

Retirement plan management designed for small businesses

Experience the Retail401K difference with affordable, professionally managed 401k plans built for small businesses and retail owners nationwide. As a Multiple Employer Plan (MEP) provider, we enable small companies to offer competitive retirement benefits while reducing administrative burden and controlling costs.

  • Easy Setup - Get your plan launched quickly with guidance every step of the way
  • Hands Off Maintenance - We handle compliance, filings, and day-to-day administration 
  • Low Cost - Enjoy institutional-level pricing specifically for small business budgets

Small businesses should have access to the same retirement plan infrastructure as larger organizations—that's what we deliver.

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Retail401k displays its MEP 401k Plan Sponsor Badge supporting employer 401k plan service.

In the kitchen, Retail401k supports owners managing affordable 401k retirement plans together.

Joining A Multiple Employer Plan Has Its Advantages

A strong retirement benefit program can help businesses of all sizes gain a competitive edge to attract and retain talent—but it can also mean added costs and responsibility.

A multiple employer plan 401k (MEP) may be an attractive option for organizations seeking to ease the administrative burden, reduce fiduciary liability, and lower the expense while still offering a quality retirement plan.

WHAT IS A MEP?

A MEP is a retirement plan sponsored by one entity for unrelated organizations that share a common business interest.

HOW IT WORKS
  • The MEP sponsor is the "lead" plan and can serve as the plan administrator and fiduciary
  • Adopting employers elect to join the MEP
  • At any time, adopting employers are easily integrated into the plan hosted by the sponsor and tracked on the Transamerica platform

Most importantly, the MEP sponsor is responsible for handling the administrative and fiduciary responsibilities related to your retirement plan, so you can focus on what matters most: running your business.

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Why Multiple Employer Plans Work for Small Businesses

  • Administrative relief, as the MEP sponsor and a professional service team take over the majority of day-to- day tasks
  • Reduced liability, as fiduciary support and most responsibility is assumed by professional plan administrators
  • Ability for adopting employers to retain many of their customized plan features
  • Support with investment selections and performance oversight
  • Access to participant communications and plan education support
  • Time savings for organizations by offloading many plan-related tasks
  • Potential cost savings compared to operating a single employer plan

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Retail401k supports meeting room discussions about adopting a multiple employer plan.

Simplify Your 401(k) Planning with Our Small Business Pricing Tool

Take the guesswork out of setting up a 401(k) for your business. Our Small Business 401(k) Pricing Tool makes it easy to get a clear, customized quote for your Retail401K MEP plan—tailored to your company’s size and goals. In just a few clicks, you can compare costs, explore plan options, and see how we help businesses offer competitive retirement benefits without the hassle or high fees. 

Price it Now

A man and woman reviewing an electronic device explore Retail401k’s multiple employer plan options.

What Our Clients Are Saying About Us

  • I started my business in 2019 and have been a Retailer Association of Massachusetts (RAM) member since. In 2022 I wanted to offer a retirement plan to my employee's that was easy to manage and could help them plan for their future. Starting the process seemed daunting at first. I decided to reach out to RAM to see what resources they had available. Through RAM I was able to team up with Atlas Pension Administrators. The process was straight forward and the staff that guided me through the process were patient and helpful. Three years later we are seeing fantastic returns on our investment, and I have been able to focus my time on my business and have not had to dedicate any significant time to managing our plan.

    Chris Howland

    D’Angelos Grilled Sandwiches

  • We have been part of the Retail401k plan since its inception, and it has made my life so much easier. Not only has our plan grown quite nicely, I have very little administrative responsibilities which is an added bonus. For any business looking to begin a 401k plan, I would highly recommend the Retail401k.

    Tina Wilcoxson

    President, Royal River Natural Foods

  • We could not be happier with our experience with the Retail401k plan. The service is exceptional and attentive, and they have always gone above and beyond to meet our needs. Highly recommend to anyone looking for quality and reliability. They are truly an outstanding group to work with.

    Sarah

    The Bedford Village Inn

Stay Connected With Retail401K

Associations We Support

Retail401k Provides Multiple Employer 401k Plans for Businesses Owners Across the United States, Including:

  • Florida
  • Illinois
  • Maine
  • Massachusetts
  • New Hampshire
  • New York