A plan that grows with your headcount.

As you hire, your 401(k) should keep up — safe harbor to pass testing, a match that competes for talent, and payroll integrations that keep admin light. We evolve the plan as you scale.

Scaling 50–200 employees

Growth changes what your plan needs.

The plan that got you started rarely fits a bigger team. More employees means nondiscrimination testing gets harder, a competitive match becomes a hiring tool, and payroll and onboarding need to stay effortless.

We add the structure that keeps a growing plan healthy — safe harbor, auto-enrollment, profit sharing — and benchmark your fees as assets climb, so pricing stays competitive as you scale.

73% of eligible private-sector workers now participate in their workplace plan — up from 68% in 2021.

94% of owners say a retirement plan is central to attracting and keeping talent.

2025 the year auto-enrollment became required for most new 401(k)s — and it reliably lifts participation.

Sources: U.S. Bureau of Labor Statistics, March 2025; Ubiquity Retirement + Savings 2025 small-business survey; SECURE 2.0 Act. Shown for general illustration.

01 | What a growing plan needs

Built to scale with you.

Safe harbor that passes testing

A safe harbor design lets owners and higher earners save at the top while the plan clears testing automatically.

A match that wins talent

We benchmark your match against your industry so the benefit actually helps you recruit and retain.

Payroll & HRIS integrations

Automated contributions and new-hire onboarding keep admin light as your headcount climbs.

Fee benchmarking as you scale

As assets grow you gain leverage on pricing. We re-benchmark regularly so you never overpay.

02 | Add features as you grow

Layer in what the plan needs, when it needs it.

Stage 1Auto-enrollment

Drive participation automatically as you add employees — and unlock SECURE 2.0 credits.

Stage 2Safe harbor match

Sidestep testing headaches and let leadership save the full deferral limit.

Stage 3Profit sharing

Reward the team in strong years and steer more to owners with a cross-tested design.

Is your plan keeping up with your growth?

We'll benchmark your current plan and show you where it can do more for your team.