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401(k) & Retirement Plans

Help Your Employees Plan for a Secure Future

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A strong retirement plan isn’t just an employee benefit—it’s an investment in your team’s future. Offering a 401(k) or other retirement plan helps attract top talent, improve employee retention, and show your team you care about their long-term financial well-being.


At Cornerstone Insurance Agency, we help businesses set up custom retirement solutions that fit their size, goals, and budget. Whether you need a traditional 401(k), Safe Harbor plan, SEP IRA, or another retirement option, we’ll guide you every step of the way.


Let’s create a retirement plan that works for your business and employees. 

What Does a Business Retirement Plan Cover?

COVERAGE

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01

401(k) Plans

Employees contribute pre-tax earnings to build savings for retirement, often with an employer match.


02

Simple IRA & SEP IRA Plans

Ideal for small businesses and self-employed individuals, offering tax advantages and flexibility.


03

Safe Harbor 401(k) Plans

Allows employers to bypass IRS compliance testing by providing guaranteed contributions to employees.


04

Profit-Sharing & Pension Plans

Encourages employees to stay long-term by tying contributions to company performance.

FAQs

  • Is a 401(k) required for businesses?

    No, but offering a retirement plan helps businesses stay competitive in recruiting and retaining employees.

  • What’s the difference between a 401(k) and an IRA?

    A 401(k) is employer-sponsored, while an IRA is individually owned—businesses can offer both to maximize employee savings options.

  • Can small businesses offer retirement plans?

    Yes! There are specialized plans like SIMPLE IRAs and SEP IRAs that work well for small businesses.

  • Are employer contributions required?

    Not always, but many plans include employer matching to encourage participation and boost savings.

Still have questions? Call (979) 553-4343, and we’ll help you choose the right plan for your business.

Help Your Employees Plan for a Secure Future

Give your team the financial security they deserve with a retirement plan that works for your business.


Let’s build the perfect retirement plan for your team.

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