Retirement Benefits

A 401(k) plan employees expect, built for employers too

Offer a retirement plan that supports employee savings, owner participation, and is pre-integrated with payroll for accuracy and transparency.

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Illustrative Credit Example
SECURE Act 2.0 Tax Credits
$ 0
estimated first-year credits for a 25-employee company
Startup costs credit $5,000
Auto-enrollment credit $500
Employer contributions credit $23,000
5-year total $53,250
Calculate your credits

Illustrative example shown. Review credit eligibility and assumptions with an expert.

Operational signals

A more credible first impression starts with structure, clarity, and follow-through.

Payroll-integrated Tap to explore
Payroll-integrated

Pre-integrated with payroll for accuracy and transparency.

Employee + owner fit Tap to explore
Employee + owner fit

Built to support employee savings and owner participation together.

Ongoing oversight Tap to explore
Ongoing oversight

Monitoring, required filings, and expert guidance stay in view.

Plan flexibility Tap to explore
Plan flexibility

Structured for starting fresh, optimizing for owners, or moving an existing plan.

What This Helps You Manage

Retirement benefits that work for everyone

A 401(k) plan influences whether employees stay, how competitive your benefits feel, and whether owners can build long-term wealth.

This product brings employee savings and owner participation together in a way that's intentional, credible, and aligned with how your business operates.

Retention Tap to explore
Retention

Employees stay longer when retirement benefits signal long-term investment in their future.

Competitive Edge Tap to explore
Competitive Edge

A strong 401(k) helps smaller employers compete with larger companies for top talent.

Wealth Building Tap to explore
Wealth Building

Owners and employees alike build tax-advantaged wealth that compounds over time.

Tax Advantages Tap to explore
Tax Advantages

Employer contributions are tax-deductible. Employee deferrals reduce taxable income.

How It Works Day to Day

Retirement contributions happen automatically with payroll

The 401(k) plan is pre-integrated with payroll, so retirement activity happens automatically alongside each pay run. Employees contribute directly from their paycheck and see updates in real time.

Pay Run Initiated Tap to explore
Pay Run Initiated

Payroll processes as usual—no extra steps, no separate system. 401(k) runs alongside every pay cycle automatically.

Auto-Sync Tap to explore
Auto-Sync

Employee contribution amounts are calculated and synced in real time—no manual data entry or reconciliation needed.

Contributions Funded Tap to explore
Contributions Funded

Deposits are transferred directly to employee retirement accounts on schedule—accurate, timely, and fully tracked.

Records Updated Tap to explore
Records Updated

All participant accounts reflect the latest contributions and changes—giving employees and admins a single source of truth.

Compliance & Risk

Stay compliant without the complexity

Our experts handle ongoing monitoring and required filings behind the scenes—so offering a 401(k) feels simpler than most employers expect.

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Actively Monitored
Plan Monitoring
Continuous oversight of plan health
Required Filings
5500s and disclosures handled
Reg Updates
Adapts to regulatory changes
Expert Support
Direct access to specialists

Review setup, obligations, and next steps with an expert.

State Mandates & SECURE Act 2.0

Meet requirements. Capture tax credits.

State Mandates

Retirement plan mandates are expanding

More states now require employers to offer retirement savings options. Laws vary by state with different deadlines and penalties.

Active:
CA, CO, CT, DE, IL, ME, MD, NJ, NY, OR, VA
Coming:
HI, MN, NV, VT, and more
Active
Pending

SECURE Act 2.0

Tax credits make starting easier than ever

SECURE Act 2.0 provides tax credits that significantly offset early plan costs and continue over time.

Up to $5K
Startup credit/yr
$500
Auto-enroll/yr
3 yrs
Duration
Learn about SECURE Act 2.0
$5,500Year 1
$5,500Year 2
$5,500Year 3
Potential Total Savings
Up to $16,500

What happens after you reach out

Review where requirements apply, pressure-test the right plan structure, and evaluate the credit opportunity with an expert.

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Built to Scale

Enterprise-grade retirement benefits, without the complexity

Asure's 401(k) delivers the kind of plan design once reserved for large enterprises—without the cost or complexity.

Pre-built payroll integration powers a polished retirement experience from day one and holds up as your business grows.

5 employees
Same plan. Same integration. No migration needed.

Flexibility & Support

Choose the structure that fits your business

Design your plan to maximize contributions for business owners while meeting IRS requirements.

  • Profit sharing optimization
  • Safe harbor plan design
  • Tax-advantaged strategies

Create a competitive retirement benefit that helps you attract and retain the best employees.

  • Auto-enrollment options
  • Employer matching programs
  • Mobile-friendly experience

Migrate to Asure's platform for better technology and seamless payroll integration.

  • Seamless asset transfer
  • Communication support
  • Payroll integration setup
01

Review your current setup

Assess your current benefits position, payroll context, and retirement priorities.

02

Recommend the right structure

Match the plan approach to employer goals, employee needs, and owner participation.

03

Guide setup or migration

Move forward with clearer expectations around implementation, compliance, and payroll integration.

What happens next

Start offering a 401(k) that's easier than you expect

Asure's 401(k) removes barriers, simplifying setup, compliance, and payroll integration so you can offer a retirement plan that's far easier—and more accessible—than most businesses expect.

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