401(k) Plan Helps Your Business and Your Employees

Give your team a better future—and grow your business at the same time.

Offering a 401(k) retirement plan is one of the smartest moves you can make as an employer. It helps your employees save for the future and shows that you care about their long-term success.

What Is a 401(k) Plan?

A 401(k) plan is a retirement savings account that lets employees set aside money from their paycheck before taxes. As an employer, you can also match some of their contributions — helping them save even more.

Top Benefits of Offering a 401(k) Plan to Employees

✅ Attract and Keep Great Talent

Workers want benefits that matter. Offering a 401(k) can help you stand out, hire smarter, and reduce employee turnover.

✅ Boost Employee Satisfaction

A 401(k) plan gives employees peace of mind. When they feel secure about their future, they’re more focused and productive today.

✅ Enjoy Tax Advantages

Your business may qualify for tax deductions and credits when you offer a 401(k). Plus, your own contributions as an owner are often tax-deferred.

✅ Build a Stronger Company Culture

A retirement plan shows you care about your people. That leads to higher trust, better teamwork, and a more loyal workforce.

401(k) Plans Made Simple for Employers

Setting up a 401(k) doesn’t have to be hard. We make the process quick and stress-free with:

  • Easy plan setup
  • Ongoing support
  • Compliance guidance
  • Employee education tools

Whether you're a small business owner or growing a larger team, we’ll help you find the right fit.


Start Offering a 401(k) Plan Today

Help your employees save—and help your business grow. Offering a 401(k) plan is a smart investment in your team and your company’s future. Contact a business banking representative at (866) 236-8744 or stop by any location to learn more.

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Products and services offered by Central Trust Company are not insured by the FDIC, are not deposits of or guaranteed by any depository institution or affiliate bank and are subject to investment risks, including possible loss of principal amount invested. Insurance products are available through and underwritten by non-affiliated insurance companies.