Employee Retirement Plans

Create a Retirement Plan for Your Business at No Cost

Crecer's modern retirement platform allows you to easily create a retirement plan for your business at no cost. Help your employees invest for retirement and improve employee satisfaction.

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Fast and Easy to Use

Our self-serve set up allows you to quickly create a 401(k) plan for your business or personal IRA accounts for your employees.

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Automated Payroll and Bank Connection

Connect your payroll system and business bank account and we'll automatically process employee contributions each pay period to ensure your plan stays compliant.

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State Retirement Plans

See which states require a retirement plan — and how Crecer can help

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Simplified Employer Retirement Plans

Is there a cost to the employer?

We do not charge employers set up or ongoing fees for creating a 401(k) plan or IRA accounts for employees and employers are not required to contribute to employee accounts. We charge a monthly recordkeeping and investment management fee to employees. See the pricing table below for more information.

What are the steps?

Create your employer account
Choose the type of retirement plan you want to offer your employees
Complete the setup for your plan and our system will automatically implement it for you

How long does it take?

It typically takes 10 - 15 minutes to setup a retirement plan for your business. Once setup, our automated system will process employee contributions and manage your plan for you.

What administrative tasks do you handle for a 401(k) plan?

As your 3(16) third-party administrator, we'll handle all required compliance testing and file required tax forms on your behalf¹. As the employer, you still retain certain fiduciary responsibilities. Learn more about fiduciary responsibilities

Retirement Plan Pricing

Plan Type	Services Included	Employer Fee	Employee Fee
401(k) Plan	3(16) third-party administrator 3(38) Investment Manager Recordkeeping Managed Investment Portfolios for Employees Employer tax filings ERISA fidelity bond	$0	$5 per month or 0.30% annually²
IRA Accounts	Direct Deposit Payroll Deductions Personalized Investment Portfolios for Employees Recordkeeping	$0	$5 per month or 0.30% annually²

Partner Accounts

Learn how to setup retirement plans for your clients

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Contact us if you are interested in learning more

Ready to start creating a retirement plan for your business?

Start Creating Your Plan