Small Business Retirement Plan

A Well-Administered 401(k), Built for Small Business

HUB Retirement Select and HUB Retirement Select PEP give small businesses access to a cost-effective, well-administered 401(k), including a pooled employer plan option that spreads administrative burden and fiduciary responsibility across multiple employers, without requiring the scale of a large company.

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Why It Matters

The real cost of running a 401(k) alone

Running a well-administered 401(k) independently often costs more, in both money and staff time, than a small business can reasonably absorb, which leaves many small employers without a retirement plan at all, or with one that's harder to defend than it should be. Pooling resources with other employers through a structure like a pooled employer plan changes that equation.

HUB's Approach

How HUB scales a retirement plan to fit smaller employers

HUB Retirement Select gives a single small business its own well-administered 401(k), without the complexity or cost of building a plan from scratch. For employers who want to share that administrative and fiduciary burden further, HUB Retirement Select PEP is a pooled employer plan that lets multiple unrelated employers participate in one retirement program, with HUB handling most of the plan administration centrally. HUB offers Select PEP configurations for businesses under 100 employees and for larger organizations over 100 employees, so the pooled structure scales as an employer's needs grow rather than forcing a switch to an entirely different plan type. Both options are designed to reduce the cost, complexity and fiduciary responsibility that often puts a well-run retirement plan out of reach for a smaller employer.