Retirement planning services
See how our plans, services, tools and support can help your employees confidently plan for their future.
Find out how we can help you with:
Make retirement plan administration easy, keep employees engaged
Small business retirement plans work best when personal data informs decision-making. ADP’s proactive approach delivers everything you need to manage your plan and help employees meet their goals.
Seamless
Connections
Integrate retirement plan services with payroll to make recordkeeping easy and accurate
Flexible
Options
Make choices that are right for your business today and tomorrow
Personalized
Insights
Empower employees with personalized insights and smart tools for planning and saving
Rock-Solid
Security
Sleep easy, 1.1 million clients trust ADP and have for over 75 years
Throughout the relationship, you’ll work with dedicated ADP reps who are committed to you — and your success.
Not sure which plan is best for your business? We can help.
With us, you get a team of experienced retirement professionals who are ready to help you evaluate a range of plan options.
401(k) retirement plan services and investment choices
A 401(k) is a qualified profit-sharing plan that allows employees to contribute a portion of their wages to an individual account. You can also contribute to employees’ accounts — this is often done through a match of what an employee contributes.
If you choose a 401(k) plan, you’ll need to decide which investment options your employee can choose to invest in. Whether your advisor is providing investment advisory services, or you are considering hiring a third party for this support, ADP can accommodate either approach.2
Our retirement plan solutions meet the unique needs of your business — no matter how many employees you have. See which fit is right for you.
Retirement tools, resources and info to help your business
Tax Credit Calculator
See the potential savings your business might be missing out on with the SECURE 2.0 Act.
SECURE 2.0
Recent provisions in SECURE 2.0 may make offering a 401(k) plan more affordable than ever.
State Mandates
New state mandates will come into effect in 2025 and 2026. Learn how they may affect your business.
See how ADP can help you create a plan that both attracts top talent and is easy to manage.
Advanced technology and proactive service make plan admin easy
We’re here to help you reduce the time you spend on plan administration. We’ll provide you with affordable options that best match your needs, manage your compliance and even proactively flag issues for you.
- Seamless integration of payroll and retirement plans
- Single sign-on accessibility for your employees
- Powerful self-service tools to keep people engaged
- Trusted support for you and your team
Real reps, real solutions: We do retirement different
Our team members bring passion, knowledge and a consultative approach to every relationship, simplifying retirement planning for your business, and guiding you every step of the way. You’re not just getting retirement solutions, you’re getting real people who care about — and are committed to — your success.
Workplace financial wellness solutions for employees
Our resources, plans and tools offer long-term financial support to your team, increasing productivity, engagement and satisfaction. We offer:
- An award-winning employee education program
- A Financial Wellness website4 to help employees plan for life’s financial challenges
- A Retirement Readiness Score5, which helps your employees understand where they are in saving for retirement
What our clients are saying
ADP makes a great strategic partner because of all the new ways they’re working with our profession: analytics, data, insights, automation, and integrating a better human experience. ADP has the right people and the right technology to help CPAs be that value-added advisor.
Watch Testimonial See case study
Tom Hood Exec. VP Business Growth & Development, AICPA
A value-added provider
Amazon DSP chooses ADP for retirement services
With flexible, customizable retirement plan options, a reputation for exceptional service, and advanced technology that makes plan administration easy, it’s no wonder companies like Amazon trust ADP to provide innovative, secure, retirement solutions.
Are you an Amazon Delivery Service Professional? Learn more about our program
ADP is proud to rank #1
PLANSPONSOR magazine’s 2024 Recordkeeping Survey6
Best employee retirement plan
For businesses with 100 or fewer employees by Business.com*
Retirement FAQs
Resources and insights
insight
Retirement strategies
insight
How to evaluate retirement plans
insight
401(k) Retirement Plans for Small Business Owners
*Business.com article "Best Business Employee Retirement Plans for 2024" Published May 2, 2024
- 17th Annual U.S. Employee Benefit Trends Study — MetLife, October 2018.
- ADP, Inc. and its affiliates do not endorse or recommend specific investment companies or products, financial advisors or service providers or engage or compensate any financial advisors for the provision of advice to plans or participants. In assembling and presenting its investment platforms, ADP is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity.
- Please consult your tax advisor to determine if you are eligible for this federal tax credit.
- The Enrich catalogue of financial wellness topics is intended for educational and informational purposes only. This information is intended for general knowledge and does not necessarily reflect ADP, ADP affiliates or your employer. Content in this library should not be construed as financial, tax, investing or legal recommendations or advice. Calculations derived from your personal input are provided as general and hypothetical illustrations. For specific retirement plan details, please visit my.adp.com or contact your employer directly.
- IMPORTANT: Retirement Readiness makes no assumption about your tax status, savings, early withdrawal penalties, required minimum distributions and should not be used as the primary basis for any planning decisions. The likelihood of various retirement savings outcomes are hypothetical, do not reflect actual investment results, or market fluctuations and are not guarantees of future results. It does not portray actual investment results or guarantee future results. Results for potential savings scenarios may vary with each use and over time.
- PLANSPONSOR 2024 Survey
Retirement Counselors are registered representatives of ADP Broker-Dealer, Inc. (ADP BD), Member FINRA, an affiliate of ADP, Inc., One ADP Blvd, Roseland, NJ 07068. Only registered representatives of ADPBD may offer and sell such retirement products and services or speak to retirement plan features and/or investment options available in any ADP retirement product, and only associated persons of ADP Strategic Plan Services, LLC (SPS) may speak to any investment management or advisory services provided by SPS or any third party in connection with such ADP retirement products. SPS is an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or services.
SIMPLE IRA and SEP are offered through ADP Broker-Dealer, Inc. (ADPBD), Member FINRA. Only registered representatives of ADPBD may offer and sell such retirement products and services or speak to retirement plan features and/or investment options available in any ADP retirement product. Unless otherwise agreed in writing with a client, ADP, Inc. and its affiliates (ADP) do not endorse or recommend specific investment companies or products, financial advisors or service providers; engage or compensate any financial advisor or firm for the provision of advice; offer financial, investment, tax or legal advice or management services; or serve in a fiduciary capacity with respect to retirement plans.
Unless otherwise disclosed or agreed to in writing with a client, ADP, Inc. and its affiliates (ADP) do not endorse or recommend specific investment companies or products, financial advisors or service providers; engage or compensate any financial advisor or firm for the provision of advice; offer financial, investment, tax or legal advice or management services; or serve in a fiduciary capacity with respect to retirement plans. Investment options are available through the applicable entity(ies) for each retirement product.
Investment options in the “ADP Direct Products” are available through either ADP Broker-Dealer, Inc. (ADP BD), Member FINRA. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or plan. Registered representatives of ADP Broker-Dealer, Inc. do not offer investment, tax or legal advice to individuals. Please consult with your own advisors and financial professional for such advice.
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