Retirement Services for Small Businesses

Work with ADP to build a retirement plan that offers the right benefits
without weighing you down in administrative tasks.


Help your employees
create a new retirement reality.

For today’s workforce, retirement is an important subject. A well-designed retirement plan
can make your workforce stronger, helping you attract and retain good people

ADP Small Business Retirement Plan Services

83% consider retirement plans a “must have” benefit1

ADP Small Business Retirement Plan Services

44% of workers plan to retire later, often because they’re not saving enough2

ADP Small Business Retirement Plan Services

Only 26% of workers are “very confident” about their investment selections3

ADP ACCESS delivers big benefits for small businesses.

  • Get the experience and reliability you want
    ADP is a leading innovator in outsourced HR solutions - from recruitment to retirement. That means you can feel confident knowing you’re supported by an experienced team that is ready to help you succeed.
  • Meet fiduciary obligations
    Plan sponsors are legally liable for the investment decisions associated with their plans. ADP can take on this “fiduciary burden” through our subsidiary
    ADP Strategic Plan Services, LLC.
  • Manage the risks of plan administration
    Being a retirement plan sponsor comes with a number of administrative requirements that have to be executed flawlessly to avoid potentially costly problems.

ADP can help you manage these tasks offering helpful tools and services around compliance, notifications and more.

  • What is a fiduciary?
    An investment fiduciary is the entity that is responsible for, or exercises authority over selecting the investment options made available in a retirement plan. This role comes with federally regulated responsibilities and some legal responsibility for these investment decisions.

Retirement plan options
designed to fit your business needs.

ADP makes available SIMPLE IRA and 401(k) plans. And through its investment advisory affiliate,
ADP has a variety of investment platforms available to you.

For very small businesses

A simple IRA is often the most cost effective and appropriate option. Learn more about SIMPLE IRA retirement plans.

For businesses that work with a financial professional

We understand that your financial professional is a key partner to your business. We’ve been working with advisors for years and have a service structure in place to work closely with you and your advisor to assist in the everyday administration of your plan

For retirement plans that want investment management services

ADP Strategic Plan Services can assume full investment discretion for selecting and monitoring the investment options in your 401(k) plan, thereby assuming fiduciary liability for those decisions.

For retirement plans who qualify for Open Fund Architecture

ADP’s Open Fund Architecture lets plans that qualify for this investment platform conduct their own due diligence on over 12,000 investment options from 130+ leading investment managers.

Depending on the level of assistance you need, you can access third party investment advisory or management services as well.

A wealth of tools and information.

In addition to our expertise in managing retirement plans, ADP offers an array of helpful tools and information including:

  • A Financial Wellness Program to help employees plan for all of life’s financial challenges
  • A Health Care Cost Projector to help them foresee possible future health care expenditures
  • A targeted mobile-phone messenger that provides important retirement information to employees
Learn More

Get a FREE price quote.

 Special Offer

Get 2 Months of FREE Payroll

Receive 2 months FREE when you sign up for payroll processing.

Fill out the form ›

Contact Sales


Or, fill in the form and we'll give you a call back:
(All fields required)

Your Privacy is assured.

1. 2016 Workplace Benefits Report — Bank of America Merrill Lynch, April 2016

2. Employee Financial Wellness Survey — PWC, April 2016

3. Voice of the Defined Contribution Participant Study, Brightwork Partners, LLC. September 2015.

Unless otherwise agreed to in writing with a client, ADP, LLC and its affiliates (ADP) do not endorse or recommend specific investment companies or products, financial advisors or service providers; engage or compensate any financial advisor or firm for the provision of advice; offer financial, investment, tax or legal advice or management services; or serve in a fiduciary capacity with respect to retirement plans. Investment options are available through the applicable entity(ies) for each retirement product. Investment options in the “ADP Direct Products” are available through either ADP Broker-Dealer, Inc. (Member FINRA), an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ (ADP BD) or (in the case of certain investment) ADP, LLC. Only licensed representatives of ADP Broker-Dealer, Inc. (Member FINRA), an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ, or of a broker-dealer firm that has executed a marketing agreement with ADP, LLC may offer and sell ADP retirement services products and services or speak to retirement plan features and/or investment options available in any ADP retirement product.