Business Retirement Plans for Your Company
Expert guidance on 401k, SEP & SIMPLE IRA solutions
Your Retirement Plan Partners
We help local businesses build successful retirement programs. Offering retirement benefits helps you attract and retain quality employees while providing significant tax advantages. Through our Osaic Institutions partnership, we make plan administration simple.
Why Businesses Choose Us
- Personal relationships with Investment Executives who understand your business
- Simplified administration that reduces workload while ensuring compliance
- Tax advantages that help reduce business liability and provide employee benefits
Complete Retirement Plan Solutions
- 401k plans including Traditional, and SIMPLE 401k options
- SEP IRA plans perfect for small businesses with same percentage contributions
- SIMPLE IRA solutions with immediate vesting for all participants
- Profit sharing and defined benefit plans for advanced retirement strategies
Find the Right Plan for Your Business
Every business has unique needs. Compare our retirement plan options to find the solution that fits your company size, budget, and employee goals.
SIMPLE IRA Plans
Perfect for businesses with 100 or fewer employees who want straightforward retirement benefits.
Features
- No discrimination testing required
- Immediate employee vesting
- Lower contribution limits
- Minimal administrative burden
- Required employer contributions
SEP IRA Plans
Ideal for small businesses and self-employed individuals who want maximum contribution flexibility.
Features
- High contribution limits available
- No annual filing requirements
- Same percentage for all employees
- Easy to establish and maintain
- Employer-funded contributions only
Traditional 401(k) Plans
Full-featured retirement plans for businesses wanting to offer maximum benefits and tax advantages.
Features
- Highest contribution limits
- Employee and employer funding
- Loan and hardship provisions
- Flexible vesting schedules
- Advanced plan design options
Community Advantages
Ready to Get Started?
We’re here to help you choose and implement the perfect retirement plan solution for your business. Contact our Investment Executives to schedule a consultation today.
Business Retirement Plan Questions
Get answers to the most common questions about establishing retirement plans for businesses, from setup to employee participation.
What retirement plan is best for my business?
The best plan depends on your business size, budget, and goals. SIMPLE IRAs work well for small businesses, while 401k plans offer maximum flexibility.
How much does it cost to set up a plan?
Setup costs vary by plan type and complexity. We’ll provide a detailed cost analysis during your consultation based on your specific business needs.
What are the tax benefits for my business?
Employer contributions are generally tax-deductible business expenses. You may also qualify for tax credits1
How do we handle plan administration?
Through our Osaic Institutions partnership, we handle most administrative tasks including compliance, reporting, and employee communications.
1Consult your tax advisor.
IMPORTANT: Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Cape & Coast Financial is a trade name of Cape & Coast Bank. Osaic Institutions and the Bank are not affiliated. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.