Retirement Plans
for Small Business

Simple and affordable retirement plans
in under five minutes. No paperwork.

Not your grandparents' pension plan

Retirement is no longer reserved for employees of large corporations. Whether you're a dentist or a master brewer, your team's financial future matters just as much as the bottom line. We understand that running a small business can feel like running a marathon in reverse, with no shoes on - leaving no time for the complexity of working with a traditional financial firm (let alone the cost). Our technology enables you to receive a plan recommendation in under sixty seconds and start enrolling your employees within minutes. Best of all, there is no fee to get started, no paperwork to sign and we proudly act as the fiduciary to you and your team. 

We Have A Plan

Whether you're a growing company, or just breaking out on your own.

  • Self-Employed

    Just you

  • Small Team

    1-20 employees

  • Future Unicorn

    Team of 100

Break the mold. Not the bank.

Easy and honest pricing with no surprise transaction fees or commissions.

  • $0


  • $0


  • $0*

    Per Employee
    Monthly Fees

  • 0.5%

    Annual Fee

*For certain plans, monthly fees are $10 per employee. No surprises, we promise.

How exactly does this work?

We gather some basic information to make sure Vault is right for you.
Then you get access to our onboarding experience, where the magic happens.

  • Find Your Plan

    Get a recommendation by answering questions about your company and goals.

  • Open An Account

    Within minutes, your retirement account can be ready for you and your team to start saving.

  • Invite Your Team

    Your employees receive email invitations to sign up. We take care of the rest!

We literally do
everything for you.

The typical 401(k) experience leave employees to their own devices, selecting investments from a basket of funds, often with no prior investing knowledge or experience. Vault uses modern portfolio theory (MPT) and combines personalized information including age and risk tolerance to customize the experience for every individual investor.

  • I started Vault when my mom, a teacher tried to find a retirement plan for her preschool. None of the 401(k) companies would help her because she didn't have hundreds of employees.

    Randy Fernando

    Chief Executive Officer & Founder, Vault

  • I am thrilled to join the team at Vault. Providing sensible low cost retirement planning can have a major positive impact on so many individuals.

    Tom Lee

    Strategic Advisor, Vault
    Former Chief U.S. Equities Strategist, JPMorgan

We built Vault for 

  • Startups

  • Creative Agencies

  • Medical Practices

  • Mechanics

  • Uber Drivers

  • Tailors

  • Insurance Agents

  • General Contractors

  • Retail Stores

  • Breweries

  • Etsy Shops

  • Pet Groomers

  • Barber Shops

  • Restaurants

  • The Gig Economy

  • Plumbers

  • Auto Dealerships

  • Jewelers

  • Landscapers

  • Freelancers

  • Coffee Shops

  • Law Firms

  • Sole Proprietors

  • Architects

  • Photographers

  • 10-99 Workers

  • Real Estate Agents

  • Accountants

  • Musicians

  • Interactive Designers

  • Electricians

  • Florists

  • Film Makers

  • Archaeologists

  • Wedding Planners

Contact us at
1 (866) 846-8874