ShareBuilder 401k Waives Setup Fees for SMB 401(k) Plans Until December 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 01 2025
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Source: Businesswire
- Fee Waiver: ShareBuilder 401k has announced the elimination of all setup fees for SMB 401(k) plans until December 23, 2025, allowing businesses to save up to $750 on initial costs, thereby lowering the economic barrier for small enterprises to establish retirement plans.
- Market Demand: An independent study revealed that 55% of small business owners believe their businesses are too small to access a retirement plan, and 28% are concerned about the inability to offer company matching, highlighting a pressing need for low-cost retirement solutions in the market.
- Tax Incentives: With the implementation of Secure Act 2.0, offering a 401(k) plan can be nearly cost-neutral for small businesses in the first three years, further encouraging small business owners to consider establishing retirement plans to enhance employee benefits.
- Increased Contribution Limits: The employee deferral limit for Small Business 401(k) participants will rise to $24,500 in 2026, enhancing employees' retirement savings potential while providing businesses with a more attractive benefits option.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
