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Build your future with Everyday 401(k) by J.P. Morgan

A solo 401(k) plan built for sole proprietors and self-employed small business owners.

Reach out directly to the team at 800-338-4345.

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A Solo 401(k) lets you save more for retirement then almost any other plan, because as both employer and employee, you can contribute at higher limits than traditional 401(k) or IRA

You'll also get key tax advantages: deductible contributions, tax-deferred growth, and the option for Roth Savings. Flexible investments and load features add even more value.

Have questions? See our FAQs below. 

Cost & Plan Details

Solo 401(k)

Solo 401(k)s offer tax advantages, including pre-tax or Roth contributions and tax-deferred growth.

Base Fee: $540 / year

 

Setup Fee for start-up plans: $350 Asset Based Fee (Breakpoints at $500,000 and $1,000,000):   $1 - $499,999: 15bps   $500,000 - $999,999: 10bps  Over $1,000,001: 7bpsConversion Fee for plans with assets:   $1 - $250k: $500   Over $250k: $0

 

  • $150 / year

     

    Your spouse may be added and have their own account

     
  • Employee Contributions:
    • Up to $24,500 or 100% of compensation, whichever is less.
    • An additional $8,000 catch-up contribution if you're age 50 or older, totaling $32,500.
    • For individuals aged 60–63, the catch-up contribution increases to $11,250, totaling $35,750.
Employer Contributions:
    • Up to 25% of compensation (for incorporated businesses) or approximately 20% of net self-employment income (for unincorporated businesses).
Total Contribution Limit:
    • $72,000, or $80,000 if age 50 or older, and up to $83,250 for those aged 60–63. 
Once you e-sign the official Plan Documents in onboarding, it will create a retirement plan for your business. Your plan will have a curated investment lineup to select from and will NOT act like a brokerage account. Terminating the plan after signing the Plan Documents will require you to go through the official termination process which will require additional fees. 

 

Plan sponsors should reference JPMIH’s 408(b)(2) services and fee disclosure notice for more complete information, which is available on the plan sponsor portal for your plan.  Additional fee information is available for participants on your plan’s J.P. Morgan Everyday 401(k) website.

Certain recordkeeping and related services for plans may be provided on behalf of JPMorgan Invest Holdings LLC (JPMIH) by Vestwell Holdings Inc.

Vestwell Holdings Inc. provides various fiduciary and non-fiduciary services on its proprietary recordkeeping platform to support tax-qualified retirement plans.  To learn more about Vestwell Holdings Inc. and its services, please visit https://www.vestwell.com.

J.P. Morgan Asset Management is the brand name for the asset management business of JPMorgan Chase & Co and its affiliates worldwide.

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