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401(k) plans can help small businesses attract and retain workers, but there’s a lot to bear in mind.

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The author is a Forbes for the 80 percent of small businesses without retirement plans. six steps to

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Small business retirement plans are recognized by the Internal Revenue Service as a means to help employers and employees save toward retirement. It must adhere to the guidelines created by the ...

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The Merrill Edge Small Business 401(k) is a customized, low-cost retirement plan designed for small business owners and their employees (if applicable).

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Small business owners can defer taxes on their retirement savings using these accounts.

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Setting up a plan is considerably While the share of small businesses offering 401(k) plans has picked up

Quick factsparticipantssole proprietors or partners who have nocommon-law employees.employer contributionsmaximum employer contribution per eligible employee is ,000 for the 2016 tax year. maximum tax deductible employer contribution is 25% of compensation. deductible as a business expense and not required every year.employee contributionseither pre-tax or roth employee deferral contributions can be made for up to ,000 for the 2016 tax year (,000 for employees age 50 or older). contributions can't exceed 100% of contributionsthe combined amount of employer plus employee contributions can't exceed ,000 for the 2016 tax year (,000 for employees age 50 or older).investment choicesmore than 100 vanguard mutual funds.eligibilityno age or income restrictions.account service fees per year for each vanguard fund held in a vanguard individual 401(k) account. if at least one participant qualifies for flagship select™, flagship®, voyager select®, or voyager® services, the account service fee will be waived for all participants in the plan. however, if the plan administrator is the only person enrolled in flagship select, flagship, voyager select, or voyager services, but he or she doesn't participate in the plan, the fee will apply.tool to help you choose›  see how much you can contribute.* net compensation for self-employed individuals is generally the net profit from irs schedule c minus one-half of the individual's self-employment tax. the eligible compensation limit, indexed for inflation by the irs, is 5,000 for 2016.**vanguard average expense ratio: 0.18%. industry average expense ratio: 1.01%. sources: vanguard and lipper, a thomson reuters company, as of december 31, 2015.† see the most recent performance of our funds. past performance is no guarantee of future returns.††the "money 50" list published in the january/february 2016 investor's guide of money magazine is based on a low expense ratio, a strong record for putting shareholder interests first, a consistent investment strategy, experienced and trustworthy managers, and long-term performance. note that past performance cannot be used to predict future returns and that fund share prices will fluctuate, so investors could lose money if they sell when prices have fallen.all investments are subject to risk, including the possible loss of the money you invest.diversification does not ensure a profit or protect against a loss.It's easy to get startedwe can provide all the help you need to set up your plan. call a small-business specialist at 800-992-7188.An employee other than an owner, a business partner, or a shareholder of a corporation and their respective spouses. (independent contractors are not employees.).

Fidelity can help you design 401(k) plans for your small business with more than 20 employees. Offer competitive retirement benefits to your employees.

How do I set up a 401(k) plan? Are there 401(k) plans for small businesses? A 401(k) plan is a relatively simple and effective way for your company to help meet your employees' retirement needs.

Small business retirement plans from Fidelity. Plans that are easy to setup and manage from an experienced retirement plan provider. SEP IRAs, SIMPLE IRAs, 401(k) plans, and more.