Retirement plans for small businesses
Thinking about starting a retirement plan for your small business? Whether you already offer one or are considering it, we’ll help you understand different types of plans, the Employee Retirement Income Security Act (ERISA) of 1974, your fiduciary responsibilities, how SECURE 2.0 can help you, and more to help you take your next step.
Thought leadership for starting a retirement plan
We regularly publish new content to help plan sponsors, financial professionals, and investors access the information they need. Covering topics such as plan design, ERISA, retirement legislation, investments, and investor education, our viewpoints library is an informational and insightful resource for all to bookmark.
Read more of our viewpoints
Introduction to retirement plans
Starting your small business retirement plan
More advanced retirement plan topics
Retirement plan fiduciary resources
Retirement plan sponsors are plan fiduciaries under ERISA and held to ERISA’s standard of conduct. We provide an extensive collection of fiduciary resources to help you learn—and uphold—your responsibilities.
Get to know your fiduciary duties
Fiduciary responsibility—an employer's guide
Compliance and due diligence checklist
2024 compliance calendar for 401(k) plans
Understanding city- and state-sponsored retirement programs
Many states offer state-sponsored retirement programs to help provide greater access to tax-advantaged retirement accounts. Learn more about your state-facilitated retirement program to help your customized small business retirement plan stand out for your employees.
Learn more about state retirement programs
California
Colorado
Connecticut
Illinois
Massachusetts
New Jersey
New Mexico
Oregon
New York City
Seattle
Important disclosures
This content is not intended to be an exhaustive review of fiduciary duties under ERISA. The objective is to highlight the key responsibilities of a plan fiduciary and present the challenges that plan fiduciaries may face in discharging their duties. John Hancock is not in a position to provide legal advice concerning your plan or your role as plan fiduciary, and the information included should not be taken as such. If legal advice or other expert assistance is required, please consult your legal counsel.
John Hancock Investment Management Distributors LLC is the principal underwriter and wholesale distribution broker-dealer for the John Hancock mutual funds, member FINRA, SIPC.
John Hancock Retirement Plan Services LLC offers administrative and/or recordkeeping services to sponsors and administrators of retirement plans. John Hancock Trust Company LLC provides trust and custodial services to such plans. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.
MGTS-PS 425876-GE 03/23 425876 MGR0302232760345