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401(k) and Retirement Services Made Simple

Get the HR Support You Need. Start Today With 3 Months Free.*

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Easy to Manage. Easy to Save. Reward Your Employees with a Paychex 401(k) Retirement Plan.

Help Your Employees Prepare for Their Future

As the nation’s largest 401(k) retirement plan provider1, we know how to administer retirement plans for businesses and their employees. Paychex plans offer higher contribution limits, match options, potential tax credits, and simplified administration.

Compete for Talent with Fortune 500-Level Benefits

Attract and retain top employees with competitive benefits that include affordable health insurance, dental, vision, and ancillary benefits programs. Team up with Paychex to offer a variety of valued benefits programs and make them easier to manage.

Simplify Plan Administration and Compliance

Our easy-to-use dashboard simplifies complex processes such as 401(k) investment selection, changing plan contributions, existing and pending loan status, and distribution activity. With our technology platform, you can improve reporting accuracy, collect data, and help enable better compliance — all so you can meet your plan responsibilities.

Let’s Take a Look at the Benefits

A Paychex 401(k) plan can benefit your business, yourself, and your employees.

  • Both employees and business owners can save more for retirement faster with higher contribution limits than traditional IRAs
  • Save taxes for your business—including up to $16,5002 in tax credits for eligible new plans. Businesses that make employer matching or profit -sharing  contributions may qualify for an additional credit of up to $1,000 per employee for 5 years3
  • Attract and retain employees in a tight labor market
  • Fulfill the requirements for state retirement savings mandates
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Team Up With Paychex, the Nation’s Number One 401(k) Recordkeeper1

Why is a 401(k) plan with Paychex different? We make offering an employee 401(k) plan easy and affordable with:

  • Full 401(k) administration—Paychex takes care of the details for you
  • Flexible plan designs to meet your company’s needs
  • A wide array of investment options
  • Compliance testing and analysis; plan audits and filings
  • 24/7 online access for participants to change investment options, transfer existing balances, and request loans

Let’s Find the Right Plan for Your Business.

Paychex offers different 401(k) plans for all types and sizes of businesses. Whether it’s a turnkey Pooled Employer 401(k) Plan (PEP) or a more traditional 401(k), we can help your employees achieve their retirement goals and put tax savings in your pocket.

  • Pooled Employer Plan (PEP)
  • Single Employer Plan (SEP)
  • Multiple Employer Plan (MEP)
  • Standalone third-party administration services (TPA)
  • Recordkeeper-only services
  • Owner-only 401(k) and Solo 401(k) for sole proprietors
  • Simple IRA

Get the Paychex HR Advantage

We offer integrated and cost-effective human resource (HR) administration services in the areas of payroll, employee health benefits, and risk management, so you can:

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Attract and Retain Talent

We can help you to offer programs and benefits that assist you with recruiting and retaining the very best employees in today’s marketplace.

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Focus on Your Core Business

We can provide support for many of your HR and payroll administration tasks.

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Offer World-Class Benefits

We can help you design a benefits package that will help you to compete with Fortune 500 companies for the best employees.

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Mitigate Risk

We can help keep your business in compliance by keeping track of complex employment laws and regulations and offering risk management strategies.

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Access Next-Gen Technology

Our best-in-class websites help to make it easy to manage HR, payroll, and benefits.

Recognized by Industry Experts for Our Innovation, Ethics, and Service 

World's Most Ethical Companies Award 2025
World's Most Ethical Companies
IDC SaaS Award for customer satisfaction
Leader in Customer Satisfaction
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America's Most Innovative Companies
2023 HR Tech Awards
Best Small Business-Focused Solution
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World’s Top Training Organizations
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Nelson Hall NEAT Leader 2024
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Brandon Hall Group Tech Awards

Get the Edge in Today’s Labor Market

We have specialists ready to help you understand your HR options and to make sure that you are choosing the solution that best fits your needs.

* The Three Months of Free Paychex HR Pro Promotion (the “Promotion”) ​will run from 6/1/25 until 9/30/25 (the “Promotion Period”) unless ended earlier by Paychex and is subject to the following terms and conditions. ​The Promotion is available to Eligible Clients only and will consist of three months of free Paychex HR Pro. An “Eligible Client” is a client that: (1) is not currently receiving Paychex HR Pro from Paychex; and (2) elects the Paychex HR Pro package by entering into a service agreement with Paychex. Paychex will credit an Eligible Client’s invoice for Paychex HR Pro in months two, four, and seven following commencement of Paychex HR Pro services. ​An Eligible Client must be utilizing Paychex HR Pro in order to receive three months of free Paychex HR Pro services, and any unused month is not redeemable in U.S. currency or for any other entity. The Promotion only applies to Paychex HR Pro, and Eligible Clients will be solely responsible for all fees due for services other than Paychex HR Pro services. The Promotion cannot be combined with any other offer and is a limited time offer that is only available during the Promotion Period.