Making a 401(k) easy
Completely integrated experience
Safe harbor plans and contribution matching
Fee-free investment management
Employee onboarding and education
Lowest fees in the industry
We partnered with Guideline, America's Best 401k, and Vestwell to help you invest in your employees' future. For a one-time plan setup fee and a low monthly per-participant fee, you get 100% automated 401(k) plan administration. Transfer existing plans for free. Help your employees save. It's that simple.
The Best Options for a Small Business 401(k)
Keep fees low, save time, and get great investment choices. We picked Guideline and America’s Best because they are some of the very best.
Benefits Employees Want
A retirement plan is one of the most important benefits to your employees. Offering a 401(k) through OnPay makes it easy for them to plan for the future.
You Save, Too
Your business can get up to $1500 in tax credits, and you personally can put away over $50,000/year if your 401(k) plan includes matching and profit sharing options.
Get help with compliance testing, or choose a Safe Harbor 401(k) plan. Our partners’ plans help you get everything right.
No Heavy Lifting
All the plans we work with are designed to do all the hard work for you. You won’t have to worry about making payments, onboarding employees, or anything else.
Reduce Your Liability
Our providers also help small business 401(k)s by taking on 3(16) and 3(38) fiduciary duties, ensuring your employees’ best interests come first.