About Retail401K

The Alliance of State Retail Associations DBA: Retail401K was established on a clear principle: small businesses across the United States deserve access to the same institutional-quality retirement benefits available to large corporations. Created by the Retail Association of Maine and serving multiple retail organizations nationwide, we deliver an affordable 401k solution for small business designed for retail owners and small companies that require professional retirement plan management without unnecessary complexity. Through our partnership with Transamerica Retirement Services, we function as a 401k provider for associations, connecting state retail associations nationwide to deliver accessible, cost-effective retirement benefits for small to midsized retail businesses. Our Multiple Employer Plan 401k (MEP) structure enables multiple independent employers to participate in a single plan, creating economies of scale that substantially reduce costs and administrative requirements while our team manages compliance, reporting, and fiduciary responsibilities.

Why Small Businesses Nationwide Choose Us

We work directly with small business owners and understand the operational constraints they face. Our approach makes 401k for small businesses accessible and manageable for organizations with limited HR infrastructure and controlled budgets, regardless of location.

• Lower Costs: Pooling multiple employers reduces plan fees that would otherwise diminish participant retirement savings
• Reduced Fiduciary Liability: We function as the plan sponsor, substantially reducing your fiduciary responsibility and legal exposure
• Simplified Administration: We manage compliance deadlines, government filings, and administrative requirements
• Professional Management: Participants access institutional-grade investment options managed by experienced fiduciaries
• Streamlined Enrollment: We facilitate participant onboarding and account setup
• Dedicated Support: Our team provides ongoing assistance when required

What Makes Our Multiple Employer Plan 401k Different

Traditional 401k plans require each business to function as its own plan sponsor, assuming full responsibility for compliance, nondiscrimination testing, and administrative operations. Our pooled employer plan structure eliminates this requirement by enabling your business to participate in a larger, professionally administered plan.

• Shared Resources: Multiple employers share the cost of plan administration, legal compliance, and professional management
• Reduced Paperwork: We file required government forms and coordinate annual audits
• Institutional Investment Options: Larger plan assets provide access to investment options typically unavailable to small plans
• Automatic Compliance: We monitor regulatory changes and maintain plan compliance
• Flexible Design: Select plan features that align with your business objectives and workforce requirements
• Efficient Implementation: Plans are operational within weeks, not months
• Transparent Pricing: Clear fee structure with no hidden costs

Small businesses face significant challenges when competing for qualified employees, and a well-structured retirement plan demonstrates your commitment to their long-term financial security. We serve small businesses throughout the United States, with particular expertise supporting retail business owners who require practical retirement solutions. Whether you operate a small retail business or multi-location franchise, we can implement an affordable 401k for your small business that aligns with your budget and workforce requirements. You don't require extensive HR resources or specialized financial expertise to offer a competitive 401k plan—you require an experienced partner.

Ready to provide your employees with quality retirement benefits without administrative complexity? Contact us or call 844-637-4015 to discuss how Retail401K can help your business implement a competitive 401k plan designed for small or mid-sized companies.

View Our Retail401k MEP