401(k)s that build wealth
for small businesses

Intentionally designed for small businesses. Made to be simple, transparent and straight-forward.

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/per employee
  • 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.

Simple & transparent pricing

401(k) plans shouldn’t be so complicated

We've designed our retirement plans to streamline decision-making for busy business owners. Our plans feature Vanguard funds for best-in-class performance. Start growing wealth for yourself and your employees without hassle of sifting through endless options.
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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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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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Start growing
your wealth today

Book a free consultation


Start your plan

In just 15 minutes, use our simple plan builder to set up your personalized 401(k) plan that’s tailored to to your business needs.


Connect your payroll provider

Quickly connect your payroll provider and let us do the rest. We auto-enroll your new hires, update salary changes, and change employment types.


Watch your wealth grow

Focus on your business knowing your money is growing while we take care of everything!

We’ll help you find the answers you need.

Knowledge Base

Find answers to frequently asked questions.

Go to FAQ  >

Discovery Call

Ask our 401k experts what Penelope can do for you.

Schedule Now  >


Have a question you can’t find an answer for? Just ask us.

Learn more

Hear from business owners like you


Sherrell Dorsey

Publisher and CEO, The Plug

“Penelope means I can build a strong company culture at the start.”


Dave Schremser

Co-Founder & President, Cocentric

“Providing 401(k) access to our team was a key component of our launch strategy”

Don’t wait any longer to start building wealth for you and your employees.

Get started today by answering a few simple questions about your business and let us help you build your 401(k) retirement plan.