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为你的事业选择一个退休计划

Hiring and keeping the right employees is important to your business's success — and offering an attractive benefits package is a key part of recruiting and retaining the best people. The information below provides an overview of small business retirement plans available through State Farm®.

Sole proprietors, partnerships, 有限责任公司, Sub S Corporations, and C Corporations that do not employ any common-law employees have several options for business retirement plans. The business owner's spouse (if employed and compensated by the business) may also participate in these plans.

Individual 401(k)

适用于没有普通法雇员的企业, these business retirement plans allow owners to maximize their contributions. 雇主供款可抵税 (subject to applicable limits) to the business, and salary deferrals can be made on a pre-tax basis (which are excluded from income for federal income tax purposes) or as Designated Roth Contributions.

了解更多个人401(k)计划

SEP IRA

Simplified employee pension (SEP) plans allow business owners to set aside money in a retirement account for themselves (and spouse, 如果适用)受适用的限制. 没有管理成本, 文书工作是最小的, 而且所有的捐款都可以从企业中扣税.

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SIMPLE IRA

因为只有一个所有者的企业少于100名员工, 企业主可以建立一个简单个人退休账户(包括配偶). A business owner (and spouse) is able to defer a portion of his/her salary as pre-tax contributions and the business makes a tax-deductible matching or non-elective contribution. 没有管理成本和最低限度的文书工作.

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该服务可通过免费电话在线提供, 这样你就能专心经营你的生意了.

SEP IRA

Simplified employee pension (SEP) plans allow the business to make all contributions for every eligible employee. 没有管理成本, 文书工作是最小的, 而且所有的捐款都可以从企业中扣税 (subject to applicable limits).

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SIMPLE IRA

Any business with 100 or fewer employees can establish a SIMPLE IRA. 没有管理成本 and it offers benefits similar to a 401(k) plan. 雇员可以延期支付一部分工资, pre-tax, and the business makes a tax-deductible matching or non-elective contribution.

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401(k)计划

Most for-profit and some non-profit businesses can establish a 401(k). The 401(k)计划 requires the business to contribute either matching or non-elective contributions to the plan on behalf of eligible employees. Safe Harbor plans do not restrict the amount of money highly compensated employees can contribute to the plan. 符合条件的雇员可以缴纳一部分工资, 可以是税前的，也可以是指定Roth贡献. Profit-sharing contributions are optional and employer contributions are tax deductible.

了解更多pp王者电子官网安全港401(k)计划的信息

传统的401 (k)计划

The traditional 401(k) plan allows eligible employees to contribute a portion of their salaries, 可以是税前的，也可以是指定的罗斯贡献. 企业可以选择贡献匹配, non-elective, or profit-sharing contributions to the plan on behalf of eligible employees. 雇主供款可抵税, and employee contributions may be excluded from income for federal income tax purposes.

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Plan Comparison

Individual 401(k) SEP IRA SIMPLE IRA Safe Harbor 401(k) Traditional 401(k) Profit Sharing Plan
Business Type Businesses with no common-law employees and wanting to maximize contributions. Any business willing to make all plan contributions and desires simplified plan administration. Any business with 100 or less employees seeking a mix of employee and employer contributions. A business that's able to make a required contribution and wants to allow all employees the opportunity to maximize salary deferrals. A business that doesn't want required employer contributions and owners are not concerned with maximizing their contributions. Any business willing to make all plan contributions and seeking simplified administration (e.g. 没有员工的贡献).
Key benefits Offers Designated Roth Contributions or pre-tax contributions and loan privileges. 操作没有年度成本或IRS备案要求. 操作没有年度成本或IRS备案要求.

类似于401(k)计划.		 Allows larger employee contributions due to required employer contributions.

Designated Roth Contributions, automatic enrollment, and automatic increase features available.		 Designated Roth Contributions, automatic enrollment, and automatic increase features available. 为雇主供款提供各种分配公式. 雇主供款可依归属时间表而定.

计划投资通常由雇主指导.
每个参与者在2020纳税年度的最大总缴款 Employee elective deferral of $19,500 or $26,000 if age 50 or older. 雇员补偿总额上限为100%或$57,000 ($63,50岁或50岁以上并有补发补偿金者为500). 低于57,000美元或员工薪酬的25%. Employee elective deferral limit is $13,500 or $16,500 if age 50 or older.Employer must make a matching contribution up to 3% of compensation, 或非选择性地收取每名合资格雇员薪酬的2%. Employee elective deferral of $19,500 or $26,000 if age 50 or older. 雇员补偿总额上限为100%或$57,000 (or $63,50岁或50岁以上并有补发补偿金者为500). Employee elective deferral of $19,500 or $26,000 if age 50 or older. 雇员补偿总额上限为100%或$57,000 (or $63,50岁或50岁以上并有补发补偿金者为500). $57,000
是否有一个授权时间表? No No No 是的，pp王者电子官网“非安全港”雇主供款. 是的，就任何雇主供款而言. Yes
贷款是一种选择吗? Yes No No Yes Yes Yes
额外的计划信息 可能需要RS表格5500.

年度管理费.

没有行政费用或国税局的年度申报要求.

没有员工的贡献.

 没有行政费用或国税局的年度申报要求.

年度管理费.		 需要IRS表格5500.

年度管理费.		 需要IRS表格5500.

年度管理费.		 需要IRS表格5500.
Investment options 贝莱德和美国基金 贝莱德基金或国家农场年金 BlackRock funds 贝莱德和美国基金 贝莱德和美国基金 贝莱德和美国基金
More info Individual 401(k) SEP IRA SIMPLE IRA Safe Harbor 401(k) Traditional 401(k)
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A 10% tax penalty may apply for withdrawals from tax-qualified products before age 59½.

证券没有FDIC的pp王者电子官网, 银行是否没有担保，是否存在投资风险, 包括可能的本金损失.

由State Farm发行的证券® VP Management Corp.

贝莱德共同基金由贝莱德投资公司发行, 有限责任公司(及其附属公司), “BlackRock”). BlackRock is not affiliated with SFVPMC or any other entity mentioned herein. 贝莱德是贝莱德公司的注册商标.

SFVPMC is a separate entity from Capital Research and Management Company (CRMC) which is the investment adviser for the American Funds. American Funds securities are distributed through American Funds Distributors, Inc. All Capital Group trademarks referenced are registered trademarks owned by The Capital Group Companies, Inc. 或附属公司.

Neither State Farm® 其代理人也不提供税务或法律咨询.

AP2021/04/0386