The 100% figure refers to the SECURE 2.0 Act small-employer plan startup tax credit (Section 102), which can offset up to 100% of eligible administrative startup costs — capped at $5,000 per year for the first three years — only for eligible employers with 50 or fewer employees that have at least one non-highly compensated employee (a reduced credit applies to employers with 51–100 employees). It is a tax credit, not a cash payment, and does not cover ongoing plan costs or employer contributions. Eligibility and credit amounts depend on your specific facts; consult a qualified tax advisor.
A clear path from first conversation to a plan that runs itself.
We keep the process simple and the outcomes concrete. You get a modern plan, transferred investment risk, and participants who are genuinely engaged — without the operational weight landing on your desk.
Plans that link together.
Pick a base plan and the piece that pairs with it snaps into place. Change the base — a different partner links in. Select either piece to explore it.
Startup 401(k) + Cash balance — layer a defined-benefit plan on top of a new 401(k) to accelerate owner contributions and deductions.
Outcomes, not just a plan document.
As your 3(38) investment manager, we take discretionary responsibility for selecting and monitoring the plan’s investments.
Personalized outreach at the moments that matter lifts participation and savings rates across your workforce.
Every plan becomes a pathway to real wealth guidance for your people through TrailGuide and Navigate Wealth.
Your plan is a pathway to guidance for every participant.
TrailGuide brings guided, tech-forward wealth advice to participants who fall below traditional minimums — and hands off higher-balance savers to Navigate Wealth. Engagement rises, and your people keep guidance when they change jobs or retire.
Build a retirement-plan practice — or hand yours off on your terms.
Four ways to affiliate with Navigate 401K — from equity partnership and succession to light-touch referrals. Keep your brand and your clients; add our platform, our 3(38) fiduciary role, and our participant engine.
Wherever you're starting, there's a path.
Two ways to work with Navigate 401K.
Get a plan review or proposal.
We'll model your fees, fund lineup, and fiduciary scope — and show you what a better plan looks like.
Partner with us.
Affiliation, partnership, and succession models for advisors who want to add — or transition — a retirement-plan practice.