Booth renters, small teams, no HR department — we sort exactly who counts and handle the rest.
Only W-2 employees count toward the mandate — 1099 booth renters don't. We sort exactly who is in scope.
Add a front-desk hire and an assistant, and a small salon quietly crosses the state threshold.
A real retirement benefit helps you keep stylists who would otherwise take their book elsewhere.
Owner-operators have no HR department 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 forNo — independent contractors (1099) generally don't count. Only W-2 employees do. Misclassification is its own risk, so we help you confirm each role is categorized correctly.
It depends on your state's threshold — several states now start at 1–5 employees. The 60-second check above shows your state's exact rule.
Often less than you expect: SECURE 2.0 startup credits can offset much of the setup and administration cost for eligible small employers. We model your real number before you commit.
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.