The retirement deadline is almost here — are you compliant?

The key deadline is October 1st for most 2025 retirement plans. If you haven’t set up a retirement plan for your small business yet, now is the time to act. That’s where WealthRabbit comes in.

Retirement benefits in small businesses: A snapshot

Nearly two-thirds (66%) of small businesses do not offer retirement savings plans, with the smallest businesses (fewer than 10 employees) least likely to provide these benefits. Cost concerns and administrative challenges are the most significant barriers. This lack of retirement options significantly impacts employee retention — nearly half of employees report leaving a job due to the absence of retirement benefits. On the other hand, 94% of small businesses that offer 401(k) plans report improved recruitment and retention.

As legislative efforts simplify plan offerings, small businesses have a growing opportunity to attract and keep talented employees by providing retirement benefits.

Why choose WealthRabbit’s SIMPLE IRA over a 401(k)?

WealthRabbit Simple IRAs cost 80% less than most 401 (k) plans.

WealthRabbit’s SIMPLE IRA offers small businesses a streamlined, affordable alternative to traditional 401(k) plans. Unlike 401(k)s—which often come with high setup fees, ongoing administrative costs, and complex compliance requirements—WealthRabbit’s SIMPLE IRA is designed for:

• Ease of use: Quick setup with minimal paperwork

• Cost-effectiveness: Low fees and no annual IRS filings required

• Generous contribution limits: Helping employees save meaningfully for retirement

• Expert support: Dedicated guidance to help manage your plan effortlessly

• Flexibility: Designed to attract and retain talent without the headache of complicated 401(k) administration

SIMPLE IRAs: A smart start for small business retirement benefits

For many small businesses, a SIMPLE IRA is a straightforward, compliant way to offer retirement benefits without the complexity of a traditional 401(k). With lower administrative requirements and employer-friendly contribution rules, it’s a practical entry point for supporting your team’s financial future.

WealthRabbit streamlines the entire process through automation and digital tools, eliminating manual work and ensuring compliance from the outset.

Protect your small business from costly compliance risks

Millions of small business owners face unexpected fines and penalties due to non-compliance with retirement regulations. WealthRabbit’s fully digital platform helps you stay ahead effortlessly with:

• Automated compliance tracking

• Seamless payroll integration

• Real-time updates and alerts

Protect your business from hidden risks and focus on what matters — growing your company.

Why small businesses are switching to fully digital retirement solutions

Cost is only part of the equation. Many small business owners who initially chose options like CalSavers or basic SIMPLE IRAs found that administrative complexity, limited integration, and manual processes hindered their progress.

That’s why more businesses are turning to WealthRabbit’s fully digital, payroll-integrated solution. Our clients enjoy:

• Seamless onboarding and management

• Payroll Integration with the leading payroll providers for complete 360 automation.

• Scalable benefits that grow with their teams

• Compliance without the paperwork

• Affordable plans backed by available tax credits

Helping close the retirement gap for small businesses

The retirement gap is real, but small businesses now have access to fully digital, affordable retirement solutions that keep them compliant and support their teams’ futures.

WealthRabbit offers low-cost plans with available tax credits, empowering employers to provide valuable benefits at little to no cost — helping employees build long-term financial security with confidence.

Give your employees a roadmap to retirement with WealthRabbit — a benefit that makes an impact without the paperwork or fees.

Ready to Secure Your Team’s Future?

Don’t wait until the October 1, 2025, deadline — take control of your small business’s retirement compliance today. With WealthRabbit’s SIMPLE IRA, setting up an affordable, easy-to-manage retirement plan has never been simpler.

Get started now or book a free consultation with our experts to find the best plan for your business.

Protect your business. Retain your talent. Build a brighter future — with WealthRabbit.

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