🚀 How a 401(k) Plan Can Help Your Orange County Business Grow

Offering a 401(k) retirement plan isn’t just a benefit—it’s a smart business move.

It helps you attract top employees 🏆, save on taxes 💰, and support your team’s future 🔒.

Many small business owners hesitate because of misconceptions about cost, complexity, or business size.

But the truth is, offering a 401(k) is easier and more affordable than ever!

⚠️ The Retirement Savings Gap

Many small businesses don’t offer retirement plans because they think:

• ❌ They’re too small – Any business can offer a 401(k).


• ❌ It’s too expensive – New tax credits help offset costs.


• ❌ It’s too complicated – The right support makes it simple.


• ❌ They’re too busy – Setting up a 401(k) takes less time than you think.

This gap leaves many employees without a reliable way to save for retirement 😟.

💡 Why a 401(k) Plan is Good for Your Business

A 401(k) plan offers major advantages to both employees and employers:

• ✅ Attract & Keep Great Employees 🏅 – Candidates look for companies that offer good benefits. Employees who have retirement savings stay longer.


• ✅ Tax Savings for Your Business 🏦 – Employer contributions are tax-deductible 💰, helping your business save money. Small business tax credits can cover 100% of setup costs (up to $5,000 per year for three years).


• ✅ Boost Employee Morale & Productivity 😊 – Financial stress impacts job performance 📉. A 401(k) helps employees feel secure, leading to happier, more productive workers.


• ✅ Strengthen Your Business Reputation 🌟 – Companies that care for their employees attract top talent and loyal customers.

🤔 Common Myths About 401(k) Plans

• ❌ You have to match contributions – Not true! Matching is optional.


• ❌ Small businesses can’t offer 401(k)s – Any business can.


• ❌ Plans are expensive to start – Tax credits cover many costs.


• ❌ Employees don’t need it – 74% of small businesses don’t offer retirement plans, leaving workers unprepared for the future 😬.

Thanks to the SECURE Act 🏛️, small businesses can now claim tax credits and even offer federal savings matches to employees.

👨‍💼 How BEI Can Help

Benefit Equity Inc. (BEI) has been helping small businesses in Orange County set up and manage 401(k) plans for over 30 years 🏆.

• ✔ Plan Design – We help you create a plan that fits your needs 📝.


• ✔ Plan Administration – We handle the paperwork and compliance 📊.


• ✔ Plan Consulting – Expert advice to make your 401(k) work for you 📞.


• ✔ Investment Oversight – We work with your financial advisor (or recommend one) 💼.

📢 Take Action Today

A 401(k) plan is a smart investment in your business and employees 🚀.

📞 Call BEI at 714-480-1364 ☎️ or 🌐 Visit Our Website to get started.

Your employees' future starts with your decision today! 🎯