Accounting, consulting, real estate, insurance, agencies — partner-led firms cross the threshold as they add staff. We catch the deadline.
Partner-led firms cross the threshold quietly as they add associates and support staff.
Salaried associates, analysts, and admin staff are W-2 employees that count toward the mandate.
A real 401(k) with a match is table stakes when you compete for professional talent.
Most firms have no dedicated HR tracking registration deadlines — that becomes our job.
Pick your state and headcount for your real exposure — data verified against each state's own statute.
Informational only — not legal or tax advice.
Get your full breakdown + a private-plan savings estimate:
Under SECURE 2.0, small employers starting a plan can claim credits toward setup and contributions. The amount depends on your size and phases out over the first years — we model your real number, not a headline.
See what you'd qualify forOwner/partner treatment varies by state and entity type — W-2 employees generally count, while partners drawing K-1 income often don't. We confirm your firm's exact headcount under your state's rule.
Only if it qualifies under your state's exemption rules and covers eligible employees — a partners-only arrangement may not. Most states also require you to formally certify the exemption.
Often less than you'd expect: SECURE 2.0 startup credits can offset most setup and administration costs for eligible employers. We model your real number before you commit to anything.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.
Grab the free 2026 cheat-sheet: every state's threshold, deadline, and penalty on one page.