Retirement Solutions

Most small businesses don't offer retirement plans to their employees. We get it - it's expensive, it's difficult, and it takes time. But it's one of the easiest ways for employees to start saving - and it's a great way to attract and keep employees, especially in a tight job market. We offer retirement plans that are both easy and affordable.

Our Retirement Solutions allows you to not only help your employees prepare for their future, but secure yours, as the employer, as well.

Designed with small businesses in mind.

Our hassle-free plans fit your business and reduce your administrative burden. We provide two ways to offer your employees retirement benefits.

  • An ARP 401(k) provides the benefits of small businesses coming together to source retirement savings programs at a lower cost and with reduced fiduciary liability – resulting in savings for both you and your employees.
  • An IRA is an easy way to help your employees prepare for the future. With no setup fees or contributions required from you, it takes retirement benefits off your mind and puts them in your employees’ hands. Your employee can easily enroll with as little as $20 to start.

Explore Your Options

 

For
Funded By
Key Advantages
Employee Contributions
Employer Contributions

IRA

For:Self-employed individuals or your employees
Funded By:Funded by employee only
Key Advantages:Easy to set up and maintain
No employer contribution required
Employee Contributions:Up to $6,000 in pre-tax contributions
($7,000 if age 50 or older)
Employer Contributions:No Employer Contribution

401(k)

For:Employer/Employees of a public or private company
Funded By:Co-Funded by employer and employees
Key Advantages:Easy to set up and maintain benefits for both the employer and the employee
Tax saving for employer
Lower cost fee structure
Reduced fiduciary liability
Employee Contributions:Up to $19,000 in employee contribution
($25,000 if age 50 or older)
Employer Contributions:Employer may match or provide profit sharing
33%

Question 1 of 3

Are you, as the employer, able to contribute to your employees’ retirement?

Yes No

66%

Question 2 of 3

How involved in the administration of the plan do you wish to be?

Very little Some is fine

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99%

Question 3 of 3

How much are you and/or your employees able to invest yearly?

Up to $5,500 Up to $18,500

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100%

 

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You may consider an IRA.

An Individual Retirement Account (IRA) takes retirement benefits off your mind and put them in your employees’ hands, with no setup fees or contributions required from you. Your employee can easily enroll in 5 minutes with as little as $5 to start. The Decisely IRA puts your employees in control of their money and their future.

Get Started

Want to see another option? Learn about our ARP 401(k).

100%

 

Administered by

You may consider an ARP 401(k).

An Association Retirement Plan 401(k) plan helps you prepare for your future, while helping your employees prepare for theirs. This employer-sponsored plan is a win/win for everyone involved. The Decisely 401(k) is a simple and effective way to offer your employees retirement benefits with lower fees and reduced fiduciary liability to you and maximize tax savings for your business.

Get Started

Want to see another option? Learn about our IRA.

Ready to get started?

Great! Click below to get a quote.*

*Program is available to members renewing their FGWA Membership for 2022. Be sure to renew your membership to make sure your company qualifies!

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The Florida Ground Water Association and outside vendors have worked to provide an independent source of benefits, retirement, insurance, and HR services for the benefit of its independent owner/operators outside of its function as Franchisor. All benefits, HR, retirement and insurance decisions, and sourcing are the responsibility of the franchisees. A franchisee’s decision as the employer whether or not to participate in the benefits and services provided is solely the franchisee’s decision. Neither the Florida Ground Water Association, its subsidiaries, nor any outside vendors are fiduciaries with respect to such decision.