Fast. Simple. Fair.

Retirement plans built for small businesses

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  • Automated onboarding
  • No asset-based or transaction fees
  • Just $8 per employee
  • We handle the details

Indipop members can receive up to $875 off their plan by signing up now. 

We take care of everything from compliance to annual reporting to the IRS so you can focus on what matters, running your business.

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It really is this simple

Get started today

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We believe building wealth
for retirement should be easy
and accessible. For everyone.

That’s why we've streamlined everything about 401(k) plans to make them simple, affordable, and easy to manage for businesses of any size.

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Simple & transparent pricing

  • Flat-fee subscription plan
  • $8/participating employee per month
  • No asset based and transactions fees

Create your plan in just 15 minutes

  • Tell us about your business
  • Select eligibility requirements
  • See your detailed plan

We handle the details

Penelope takes care of compliance testing, annual reporting to the IRS, and serves as your digital recordkeeper.

Take advantage of Secure Act 2.0

There’s never been a better time to start a 401(k) Plan

If you’re starting a new 401(k) plan your business may be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.
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Stand out from the crowd

Attract and retain the best employees with a retirement plan

The cost of losing and retraining an employee can add up. 92% of workers say that retirement plans, along with healthcare, are a key reason for staying. Bolster your benefits with a cost effective and straightforward plan.
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Schedule a free consultation

Start saving now with $875 off!

For a limited time, we’re waiving our first-time set-up fee and our monthly subscription cost for 3 months.

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Monthly employee fees
Subscription fee (waived monthly for 3 months)
One-time setup fee
per active employee per month for the first three months

Hear from business owners like you


Jefferson Macklin

Partner, Traveler Street Hospitality

"We chose Penelope over the Massachusetts Restaurant Association's plan because I wanted a plan that encouraged participation without all the fees."

Penelope Client The Cru

Tiffany Dufu

Founder, The Cru

"It’s been a joy to work with Penelope. For me as an entrepreneur, as a founder, I know I don’t have to worry about a 401(k)."

Save up to $875 right now.

Book a free consultation