💼 Retirement Plans for Businesses

🧾 Why Offer a Retirement Plan?​

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Offering a retirement plan shows employees (or staff and faculty) that you’re invested in their future. It can also offer major financial advantages to your organization:

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• Attract and retain top talent

• Take advantage of tax deductions and credits

• Build a benefits package that supports loyalty and morale

• Help your employees or staff save for a more secure retirement

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🧱 Retirement Plans We Offer

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✔ Traditional 401(k) Plans

A flexible plan for small and mid-sized businesses that allows employees to contribute pre-tax earnings and employers to match contributions.

• Full plan customization

• Optional employer match

• Vesting schedules and eligibility controls

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✔ Safe Harbor 401(k)

Simplified compliance for small businesses. These plans automatically satisfy IRS testing if certain contribution rules are met.

• Avoids annual nondiscrimination testing

• Required employer contributions (fully vested)

• Ideal for maximizing owner and employee deferrals

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✔ Profit Sharing 401(k)

Add a flexible bonus component to your 401(k) by sharing profits with employees—without committing to contributions every year.

• Employer decides how much to contribute each year

• Works well with Safe Harbor or Traditional 401(k) plans

• Encourages loyalty and performance

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✔ Solo 401(k)

For self-employed individuals or business owners with no employees (other than a spouse). Offers the highest contribution limits of any retirement plan.

• Low cost and easy to maintain

• Traditional and Roth options available

• Ideal for freelancers, consultants, and contractors

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✔ Roth 401(k) Options

Allow employees to contribute after-tax dollars and enjoy tax-free withdrawals in retirement.

• May be offered alongside traditional 401(k)

• Growing in popularity among younger employees

• Offers long-term tax diversification

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✔ 403(b) Plans for Nonprofits

Tailored retirement plans for public schools, religious organizations, and 501(c)(3) nonprofits.

• Similar to 401(k), but designed for nonprofit sectors

• Pre-tax and Roth contribution options

• Employer match optional

• Ideal for staff, educators, clergy, and administrators

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👥 Who We Help

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We specialize in supporting:

• Small businesses (2–50 employees)

• Self-employed professionals

• Startups offering benefits for the first time

• Nonprofits, schools, and faith-based organizations

• Companies upgrading from outdated plans or SIMPLE IRAs

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💬 Why Choose Couvillier Advisors?

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• ✅ Independent & Unbiased
  We’re not tied to any single plan provider or platform—so you get what’s best for you.

• ✅ Simple Setup & Administration
  From plan design to employee onboarding, we handle the heavy lifting.

• ✅ Compliance & Fiduciary Support
  We help keep your plan aligned with IRS and DOL rules, including annual testing and filings.

• ✅ Employee Education
  We help your team understand their benefits, contribution options, and how to save wisely for retirement.

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🧠 Common Questions We Can Help Answer

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• “What’s the difference between a 401(k) and 403(b)?”

• “Can I offer a plan with no employer match?”

• “How much can I contribute as an owner or employee?”

• “What are my compliance responsibilities?”

• “Do I qualify for the SECURE Act startup tax credit?”

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📞 Let’s Build the Right Retirement Plan for Your Organization

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You don’t have to figure it out on your own. We’ll help you design a retirement plan that fits your team, your budget, and your long-term goals.

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✅ Free consultations
✅ Quotes from leading plan providers
✅ Personalized support, year-round

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Get Started Today

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📍 Serving employers and nonprofits in multiple states