Your first 401(k), made simple.

Launch a compliant, low-cost plan in weeks — and let SECURE 2.0 tax credits cover much of the cost. We handle the setup, the paperwork, and the fiduciary work so you can stay focused on the business.

First-time & small employers

15× more likely employees are to save for retirement when their employer offers a plan.

94% of small-business owners say a retirement plan helps attract and keep good people.

59% of workers at businesses under 100 have access to a plan — versus 90% at large firms.

20 states have enacted retirement-plan mandates — and the list keeps growing.

Sources: AARP/EBRI on payroll-deduction access; Ubiquity Retirement + Savings 2025 small-business survey; U.S. Bureau of Labor Statistics, March 2025; Georgetown CRI state-program tracker, 2025. Shown for general illustration.

01 | Why it matters now

A plan is no longer a nice-to-have.

Benefits are how small teams win against bigger paychecks. Most owners already know it — nearly all say a retirement plan is central to hiring and keeping people. Yet fewer than six in ten employees at small companies can even access one. That gap is your opportunity.

The rules are moving too. Twenty states now mandate a retirement option, and new 401(k)s must auto-enroll employees — which is exactly what drives participation up. Getting ahead of it now, on your own terms, beats scrambling to comply later.

Win the talent war

A competitive plan helps a small team recruit and retain against employers with far bigger budgets.

Stay ahead of the mandate

Choose a real 401(k) on your terms instead of defaulting into a state program under a deadline.

Close the savings gap

Automatic enrollment turns good intentions into real balances — participation climbs the moment saving is the default.

The math has changed

SECURE 2.0 can cover most of the cost.

For many small employers, federal tax credits offset the bulk of startup and administration costs in the first three years — plus a credit for the contributions you make on employees' behalf. For a lot of businesses, a plan effectively pays for itself early on.

$5Kper year in startup credits for up to three years.

$500extra per year for adding automatic enrollment.

+a credit on the employer contributions you make.

02 | Why Navigate

An advisor, not just a provider.

Plenty of platforms will sell you a plan. We stand next to you as a fiduciary — designing it, running it, and guiding every employee — so the plan actually works for the business and the people in it.

A true 3(38) fiduciary

We take on investment selection and the legal liability that comes with it — not something you shoulder alone.

Done-for-you administration

Recordkeeping, testing, filings, and payroll integration are coordinated for you — it never lands back on your desk.

A guide for every employee

Group education and one-on-one meetings keep participation high — and each saver on track for retirement.

Independent & benchmarked

We have no products to sell. We shop the market for you and benchmark fees so the plan stays competitive.

03 | How it works

Up and running in three steps.

1Assess

A short call to understand your team, goals, and budget — and confirm your tax-credit eligibility.

2Design

We recommend a simple, right-sized plan — match, auto-enrollment, and a clean fund lineup.

3Launch

We set up recordkeeping, connect payroll, and enroll your team — then run it for you.

See how little a plan could cost.

Estimate your SECURE 2.0 credits, then let us model a plan sized for your team.