American Century Investments Small Business Retirement Plans

Business Retirement Plans

American Century® offers a variety of services designed to make it easy to manage your business retirement plan whether you have two employees or two hundred.



Single-Participant 401(k) Profit Sharing Plan Details

A Single-Participant 401(k) Profit Sharing Plan is a defined contribution plan established and maintained by an employer. Discretionary contributions are invested into the plan and accumulate tax deferred for the employee's retirement benefit.

Employer Advantages

Separate employer Web site.

American Century Investments® offers a prototype plan and updates it when laws change.

Can still contribute to an IRA.

Allows larger contribution limits than other retirement plans.

Contributions are a deductible business expense.

American Century Investments will issue an annual IRS Form 1099-R to any employee who withdraws money from the plan and will report the withdrawal amount to the IRS.

SIMPLE-IRA Plan Details

SIMPLE-IRA stands for Savings Incentive Match Plan for Employees of Small Employers-Individual Retirement Account. It's a retirement plan for employers who want to offer a retirement plan that allows both employer and employee contributions.

Employer Advantages

Separate employer Web site.

Substantially reduced administration cost from what is normally associated with operating a qualified retirement plan.

Contributions are a deductible business expense.

American Century Investments® may act as the Designated Financial Institution, which means we will process all contributions and assist the employer with his or her annual employee notification requirements by providing the necessary paperwork.

SEP-IRA Plan Details

SEP-IRA stands for Simplified Employee Pension-Individual Retirement Account. It's a retirement plan commonly used by self-employed individuals or employers who do not have other qualified retirement plans.

Employer Advantages

Separate employer Web site.

American Century Investments® maintains prototype plan and updates it when laws change.

Contributions are a deductible business expense.

Contributions are discretionary.

Little to no annual paperwork.

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