🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 93 (from laksa172)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa093.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview","crawl_time":1776058070,"first_indexed_time":1451045555,"http_code":200,"src_unparsed":"com,fidelity!www,\/retirement-ira\/small-business\/self-employed-401k\/overview s443","src_root_hash":"17952695050214760493","history_drop_reason":null,"meta_title":"Solo 401(k) Plan | Maximize Retirement Savings | Fidelity Investments","meta_descriptions":["Explore Fidelity's Solo 401(k)—a retirement plan designed for sole proprietors and owner-only businesses. Benefit from high contribution limits, tax advantages, and no-account fees. Start saving more for your future today."],"attrs_boilerpipe_text":"Investing involves risk, including risk of loss.\n1. There is no opening cost, closing cost, or annual fee for Fidelity's self-employed 401(k).\n2.\nNo account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See\nFidelity.com\/commissions\nfor further details.\n3. Some mutual funds may need to be sold and transferred over as cash. Most stocks will transfer over in-kind. Stocks you own trading at less than $1.00 a share, may need to be sold and transferred over as cash. Fidelity doesn't charge a fee to move assets from another institution; however, your current firm may charge to transfer your assets to us.\n4. Participants age 50-59 or 64+ may defer $24,500 for 2026 and $23, 500 for 2025 PLUS an additional catch-up contribution of $7,500 for 2025 and $8,000 for 2026. For participants age 60-63 the catch-up contribution remains is $11,250 for 2025 and 2026. These limits are subject to the combined deferral and employer contributions limits. The combined salary deferral and employer contributions cannot exceed $72,000 for 2026 and $70,000 for 2025, in addition to any applicable catch-up contributions.\n5. Maximum compensation on which contributions can be considered is $350,000 for 2025 and $360,000 for 2026. If you are self-employed, compensation means earned income.\nFidelity Brokerage Services LLC, Member NYSE,\nSIPC\n, 900 Salem Street, Smithfield, RI 02917\n560603.34.0","attrs_markdown":"[Skip to main content](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview#navSkipToContent)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n  - [Transfers](https:\/\/www.fidelity.com\/customer-service\/money-movement)\n  - [Cash Management](https:\/\/digital.fidelity.com\/ftgw\/digital\/cashmanagement)\n  - [Bill Pay](https:\/\/digital.fidelity.com\/ftgw\/digital\/billpay\/home)\n  - [Full View®](https:\/\/digital.fidelity.com\/ftgw\/pna\/customer\/pgc\/networth\/)\n  - [Security Settings](https:\/\/digital.fidelity.com\/ftgw\/digital\/security\/dashboard\/view)\n  - [Account Features](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/features)\n  - [Documents](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/documents)\n  - [Tax Forms & Information](https:\/\/www.fidelity.com\/tax-information\/overview)\n  - [Retirement Distributions](https:\/\/digital.fidelity.com\/ftgw\/digital\/mrdhub)\n  - [Refer a Friend](https:\/\/www.fidelity.com\/customer-service\/friendsandfamily3a)\n- [Retirement]()\n  - [Retirement Planning](https:\/\/www.fidelity.com\/retirement\/retirement-planning)\n  - [401(k) Rollovers & IRA Transfers](https:\/\/www.fidelity.com\/retirement\/401k-rollover)\n  - [Retirement Accounts](https:\/\/www.fidelity.com\/retirement\/retirement-accounts)\n  - [Retirement Education](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement-education)\n- [Wealth Management]()\n  - [Wealth Management Offerings](https:\/\/www.fidelity.com\/wealth\/wealth-management-offerings)\n  - [Financial Advisors](https:\/\/www.fidelity.com\/wealth\/financial-advisors)\n  - [Financial Planning](https:\/\/www.fidelity.com\/wealth\/financial-planning)\n  - [Investment Management](https:\/\/www.fidelity.com\/wealth\/investment-management)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n- [News & Research]()\n  - [News](https:\/\/www.fidelity.com\/news\/overview)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n  - [Watchlist](https:\/\/digital.fidelity.com\/ftgw\/digital\/watwebex)\n  - [Alerts](https:\/\/alertable.fidelity.com\/ftgw\/digital\/alerts)\n  - [Stocks, ETFs, Crypto](https:\/\/digital.fidelity.com\/prgw\/digital\/research\/src)\n  - 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[Alerts](https:\/\/alertable.fidelity.com\/ftgw\/digital\/alerts)\n  - [Stocks, ETFs, Crypto](https:\/\/digital.fidelity.com\/prgw\/digital\/research\/src)\n  - [Mutual Funds](https:\/\/fundresearch.fidelity.com\/fund-screener)\n  - [Fixed Income, Bonds & CDs](https:\/\/fixedincome.fidelity.com\/ftgw\/fi\/FILanding)\n  - [Options](https:\/\/digital.fidelity.com\/ftgw\/digital\/options-home\/)\n  - [IPOs](https:\/\/brokerage.fidelity.com\/ftgw\/brkg\/ipo\/calendar)\n  - [Annuities](https:\/\/fundresearch.fidelity.com\/fund-screener\/annuities\/)\n  - [Learn](https:\/\/www.fidelity.com\/learning-center\/overview)\n\n- [Customer Service](https:\/\/www.fidelity.com\/customer-service\/overview)\n- [Fidelity Assistant](https:\/\/www.fidelity.com\/customer-service\/overview?ccsource=FA_NAV)\n- [Profile](https:\/\/digital.fidelity.com\/ftgw\/digital\/profile)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page) [Open an account](https:\/\/www.fidelity.com\/open-account\/overview)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n- [Customer Service](https:\/\/www.fidelity.com\/customer-service\/overview)\n- [Fidelity Assistant](https:\/\/www.fidelity.com\/customer-service\/overview?ccsource=FA_NAV)\n- [Profile](https:\/\/digital.fidelity.com\/ftgw\/digital\/profile)\n- [Open an account](https:\/\/www.fidelity.com\/open-account\/overview)\n- [Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - 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Fidelity Investments\n  Clicking a link will open a new window.\n  \n  - [Facebook](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview#facebook)\n  - [Twitter](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview#twitter)\n  - [LinkedIn](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview#linkedin)\n\n# Self-employed 401(k) A 401(k) to help self-employed individuals reduce taxes and save more\nSelf-employed individuals, owner-only businesses, and partnerships can save more for retirement through a 401(k) plan designed especially for you.\n\n[Open an account](https:\/\/digital.fidelity.com\/prgw\/digital\/account-opening\/se401k\/user-check)\n\n[**Compare all small-business plans**](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/compare-retirement-plans)\n\n- [Overview]()\n- [Make a contribution]()\n- [Maintain your 401(k)]()\n\n[Overview](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n## Benefits of a Fidelity Self-employed 401(k)\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon-images\/fds\/saving-48x48.svg)\n\n### Higher contribution limits\nUp to \\$72,000 for 2026 (employer & employee), plus \"catch-up\" options for ages 50+.\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon-images\/fds\/qualify-48x48.svg)\n\n### Tax advantages\nPotential deductions for employers, with employee tax advantages through traditional and Roth contributions.\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon-images\/fds\/no-fees-minimum-commission-48x48.svg)\n\n### No fees\nNo account fees for your plan with Fidelity.1,2\n\n## One plan, multiple ways to save on taxes\nLooking to reduce your taxable income and grow your savings tax-advantaged? A self-employed 401(k) from Fidelity can help.\n\n**Cut your income taxes:** Deduct traditional 401(k) contributions from your business and\/or personal tax returns, as applicable.\n\n**Tax-free growth potential:** Your investments have the potential for tax-free growth until withdrawal.\n\n**Add a Roth option:** Make after-tax contributions that may grow—and be withdrawn—tax-free if requirements are met.\n\n[Open an account](https:\/\/digital.fidelity.com\/prgw\/digital\/account-opening\/se401k\/user-check)\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/retirement\/save-taxes.png)\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/retirement\/add-roth.png)\n\n## Add Roth contributions for tax flexibility and savings potential—at any age\nNew from Fidelity, the potential for tax-free growth in your Self-employed 401(k) with our optional Roth feature.\n\nFor some individuals, a Roth will be required (starting January 1, 2026) for making catch-up contributions when:\n\n- **You're a W2 employee age 50 or older**\n- **Your income exceeds \\$150,000 (in 2025 for 2026 contributions, adjusted annually)**\n\nNew and existing customers can add the Roth feature anytime by selecting \"Open an account.\"\n\n## Self-employed 401(k) contribution limits\n**Know your limit:** Answer 4 questions—we'll calculate your contribution limit to all plans available to you.\n\n[**Calculate your personal limit**](https:\/\/calculators.ssnc.cloud\/FidelitySEP\/SEP)\n\n**See how it's done:** Learn how to make a contribution, including salary deferral elections.\n\n[**Learn more about making a contribution**](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview?selectTab=1)\n\n## Easy online account opening\nIn a few clicks, we'll walk you through the questions to complete your:\n\n- **Self-employed 401(k) account application:** This is where we gather all your important personal and business information to get your account opened.\n- **Adoption agreement:** This is the form used to define the eligibility requirements you'd like to set for your plan.\n\nKeep in mind: By selecting Open an account, new and existing customers also have the ability to add the optional Roth feature.\n\nNote: Some situations below may require you to print and mail the forms to Fidelity.\n\n[Open an account](https:\/\/digital.fidelity.com\/prgw\/digital\/account-opening\/se401k\/user-check)\n\n## Do any of these situations apply?\n- You're not the plan administrator\n- You operate multiple qualified plans for your business\n- You're part of an affiliated group of employers\n- You need to integrate the plan with Social Security\n- You are not a U.S Citizen\n\n**If so, please download and complete the following forms, and return them to Fidelity (keep a copy for your records):**\n\n- [Self-employed 401(k) adoption agreement (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/retirement\/401k-adoption-agreement.pdf)\n- [Self-employed 401(k) account application](https:\/\/www.fidelity.com\/customer-service\/forms-applications\/se-401k) for yourself and each participating owner (including the business owner's spouse, if applicable).\n\n**Please review, download, save (or print for your records), and complete if applicable:**\n\n- [The Defined Contribution Retirement Basic Plan Document](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/retirement-plan-trust-agreement-basic-plan-doc.pdf)\n- [Trust agreement (PDF) (please complete)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/retirement\/retirement-plan-trust-agreement.pdf)\n- [Designated Roth Contributions Addendum to a Defined Contribution Retirement Plan (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/retirement\/Roth-Se401k-Addendum.pdf)\n## **Frequently asked questions**\n- [Expand all](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n- [Collapse all](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n### Plan details\n- [What type of plan is a Self -Employed 401(k) plan?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  A Self-Employed 401(k) plan is a profit-sharing plan with a salary deferral arrangement, qualified under Internal Revenue Code 401.\n- [What is a Roth Self-employed 401(k)?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  The Roth Self-employed 401(k) is an account within your Self-employed 401(k) plan in which you must make any designated Roth deferral contributions. A separate account is needed for accurate tracking and tax reporting purposes.\n- [Can I convert my existing balance in the Self-employed 401(k) plan into the new Roth Account?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  No, Fidelity does not support in plan Roth conversion at this time.\n\n### Eligibility\n- [Who is a Self-employed 401(k) plan appropriate for?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  A self-employed 401(k) plan may be appropriate for sole-proprietors and other small businesses who have no eligible employees other than owners and spouses of the owners. Individuals with corporations (Corp.), limited liability corporations (LLC), and partnerships may also be able to establish a self-employed 401(k), provided there are no common law employees of the business.\n- [Who can participate in the Self-employed 401(k)?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  In addition to the business owners, the owners' spouses may participate in the plan provided they are compensated employees of the business.\n- [When would a Self-employed 401(k) not be appropriate?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  If the company has common law employees this plan is not appropriate. This plan might not be appropriate if you have ownership interest in more than one business or are a participant in a company sponsored 401(k) or other salary deferral retirement plan. If you are looking for a plan with loans, hardship withdrawals, in plan conversions to Roth, or the ability to make employer contributions as Roth, this would not be appropriate for your business as these features are not offered at this time.\n- [What are the administrative requirements associated with the plan?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  The plan administrator, who is typically the business owner, would be responsible for the administration of the plan, and is required to maintain and update, when needed, all plan records and documents pertaining to the plan. Making and tracking contributions to and approving distributions from the plan are also the plan administrator's responsibility. In addition, the plan administrator is responsible for the tax filing that is required for some plans annually and all plans upon termination. Please see [Maintain your 401(k)](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview?selectTab=2) for more information.\n- [What is the deadline to establish a Self-employed 401(k) plan?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  The deadline to open a new plan is generally the tax filing deadline (including extensions) of the sponsoring business. Note: For partnerships and corporations that establish their plan after the business's year end, only the employer profit sharing contributions are allowed for the first year. Sole proprietors who establish their plan after the business's year end and before their tax filing deadline (no extension) must make their deferral contribution by their tax filing deadline (no extension). Sole proprietors who establish their plan after their tax filing deadline but before their extension deadline may only make profit sharing contributions for the plan's establishment year.\n- [How do I add my spouse to the plan?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  A spouse, who is also a compensated employee of the business, may be added to the plan by using the [Self-Employed 401(k) account application](https:\/\/www.fidelity.com\/customer-service\/forms-applications\/se-401k).\n\n[Make a contribution](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n## Ways to contribute\nBuild your savings today by using one of the following options:\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon-images\/fds\/nav-highlight-48x48.svg)\n\n### Electronic funds transfer (EFT)\nMove money from an external bank to your Fidelity account.\n\n[Contribute nowLog In Required](https:\/\/digital.fidelity.com\/ftgw\/digital\/transfer)\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon-images\/fds\/deposit-to-account-48x48.svg)\n\n### Transfer from a Fidelity account\nMake a contribution from a Fidelity account.\n\n[Contribute nowLog In Required](https:\/\/digital.fidelity.com\/ftgw\/digital\/transfer\/)\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon-images\/fds\/phone-outline-48x48.svg)\n\n### Mobile check deposit\nUsing your phone or mobile device, deposit in a snap using just your camera and the Fidelity app.\n\n[**Download app**](https:\/\/www.fidelity.com\/mobile\/mobile-check-deposit)\n\n## Contribution limits\n| **Contribution type** | **2025 maximum4** | **2026 maximum4** |\n|---|---|---|\n| Employee Salary Deferral Contributions | \\$23,500 | \\$24,500 |\n| Catch-up opportunity (Ages 50-59 and age 64+) | \\$7,500 | \\$8,000 |\n| Catch-up opportunity (Ages 60-63) | \\$11,250 | \\$11,250 |\n| Employer profit sharing contribution5 | \\$70,000 | \\$72,000 |\n| Note: The employee salary deferral contribution has one overall annual limit that’s aggregated between your traditional and Roth contributions to a Self-employed 401(k). |   |   |\n\n**Want to calculate your limit based on your personal circumstances?** Use our fast and easy [**Small Business Retirement Plan Contribution Calculator**](https:\/\/calculators.ssnc.cloud\/FidelitySEP\/SEP).\n\n## Contribution deadlines\n- The year your plan is established, contribution deadlines are based on your business structure and other considerations. See [establishment deadlines](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview).\n- For subsequent years, employee salary deferrals and company profit sharing contributions must be completed by business's tax filing deadline, including extensions.\n- Commencement of salary deferral is a [written salary deferral election (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/401k-salary-reduction-agreement.pdf), typically by the business's fiscal year end.\n\nCall a retirement specialist at **800-544-5373**, and say \"retirement representative,\" to get help with a rollover into a Fidelity Self-employed 401(k).\n\n## **Ways to move outside accounts to a Fidelity Self-employed 401(k)**\nIf you have retirement accounts elsewhere, you can still take advantage of Fidelity Self-employed 401(k).\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/retirement\/transfering-contribution.jpg)\n\n### Have a Self-employed 401(k) elsewhere?   Transferring to Fidelity is fast and easy.\nTransfer all or part of your non-Fidelity Self-employed 401(k)—including stocks, bonds, mutual funds, and other security types—without needing to sell your investments.3\n\n[Start a transferLog In Required](https:\/\/digital.fidelity.com\/ftgw\/digital\/transfer)\n\n## **How to roll over an old workplace plan to a Fidelity Self-employed 401(k)**\nIf you have an old workplace retirement account, such as a 401(k), you have the option to roll it over into a Self-employed 401(k). Be sure to consult with a tax advisor before making a change to your retirement plan. If you decide to rollover assets, here are the steps:\n\n1. **Start by opening a Fidelity Self-employed 401(k) online**\n2. **Initiate the rollover of your money by calling your workplace plan provider or using their website**\n3. **Prepare a Letter of Acceptance (LOA) to accompany your rollover**   \n      \n    We've included a [sample letter](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview) to show you what to include your LOA. Fidelity requires a copy of the LOA, and your old provider may require a copy as well. Keep a copy for your plan records.   \n      \n    Please note: You cannot move pre-tax assets into a Roth Self-employed 401(k) account; Fidelity does not support conversions.\n4. **Deposit your money in your Fidelity Self-employed 401(k), along with your LOA**   \n    Your old workplace plan provider will give you a choice:\n   • Have your old provider send the money directly to us, or\n   • Deposit it yourself\n   You have multiple options for sending the money to Fidelity. If by check, make it payable to **Fidelity Investments, FBO \\[name of plan participant\\]**. Checks do not need to be endorsed and should include your Fidelity Self-employed 401(k) account number.   \n      \n    If your old provider sends the money to Fidelity, be sure to mail your LOA to Fidelity in advance of the check’s arrival, with a letter instructing Fidelity to expect a rollover check. For support, please call 800-544-5373 and say \"Small Business Retirement.\"\n## **Frequently asked questions**\n- [Expand all](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n- [Collapse all](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n###\n- [Can I change the designation of my deferral once made?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  Once you have made a deferral contribution you can change its designation in only one instance: W2 employees who made \\$150,000 (adjusted annually) in compensation or more in 2025, for 2026 contributions, must make any catch-up contributions as a designation Roth per IRS rules. If a contribution was made to the traditional Self-employed 401(k) that the government mandates be made as a designated Roth contribution, there is a timely correction process. For more information see “Correcting errors of operation” under the \"Maintain your 401(k)\" tab.\n  \n  Note: Recharacterizations are not permitted for qualified plans, including the Self-employed 401(k). The return of excess process is for true excesses only, and once removed from the plan may not be redeposited.\n- [How do I set up my salary deferral elections?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  If you have an unincorporated business, you (and your spouse if they are an employee of the business) must make a written salary deferral election before the end of the year. Employees of incorporated businesses must make a written salary deferral election before they can begin deferring from paychecks and that must be before the end of the business's tax year.\n  \n  You may use the sample [401(k) Salary Reduction Agreement Form (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/401k-salary-reduction-agreement.pdf). Fill it out and have each participating owner (including the business owner's spouse, if applicable) complete a Salary Reduction Agreement Form if they will be making salary deferral contributions to the plan.\n  \n  Please keep this form for your own records. There is no need to send a copy to Fidelity.\n- [How much can I contribute to my Self-employed 401(k)?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  - Individuals may elect a salary deferral amount up to \\$23,500 for 2025 and \\$24,500 for 2026.\n  - Employers may contribute a profit-sharing amount up to 25% of compensation, with the maximum allowed combined employer and salary deferral contribution amount of \\$70,000 for 2025 and \\$72,000 for 2026.\n  - For participants age 50-59 or 64+, additional salary deferral catch-up contributions are allowed of \\$7,500 for 2025 and \\$8,000 for 2026. For participants age 60-63 the catch-up contribution \\$11,250 for 2025 and 2026.\n- [What contribution types can be made to the Roth Self-employed 401(k)?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  Only employee salary deferral contributions can be made into the Roth Self-employed 401(k).\n- [Am I required to make designated Roth contributions to my Self-employed 401(k)?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  Some participants will need to make their catch-up contributions as Roth starting in 2026. It's voluntary for everyone else. Beginning January 1, 2026, section 603 of the SECURE 2.0 ACT of 2022 requires that eligible participants in a 401(k) plan whose wages for the preceding calendar year exceeded \\$150,000 (adjusted annually), must make any catch-up contributions as designated Roth deferrals.\n- [What is the benefit of the Roth Self-employed 401(k)](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  Qualified distributions are tax free—that includes the earnings. You do not, however, receive a tax deduction when you make the contribution. See your tax advisor if you have questions on whether tax free distributions are best for you.\n- [How do I establish to the Roth Self-employed 401(k)?](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  If you are ready to establish your Roth Self-employed 401(k) you'll need an [account setup](https:\/\/digital.fidelity.com\/prgw\/digital\/account-opening\/se401k\/user-check) and you'll need to fill out the [Roth Self-employed 401(k) Addendum (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/retirement\/Roth-Se401k-Addendum.pdf).\n\n[Maintain your 401(k)](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/retirement\/get-started-maintain-plan.jpg)\n\n### Get started with your activated plan\nOnce you've established your Self-employed 401(k), don't forget to:\n\n1. Become familiar with the [Defined Contributions Retirement Plan document (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/retirement-plan-trust-agreement-basic-plan-doc.pdf), which contains the IRS-approved rules for your plan, as well as a definition of terms. The plan administrator must abide by the rules detailed in the plan document.\n2. Make timely contributions. Missing your deadline can cost you money. For details, see [Contribute to your Self-employed 401(k)](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview?selectTab=1).\n\n### Remember to keep good records\nYou'll want to keep a file of all relevant documents, starting with the forms used to establish your plan. This is not a comprehensive list, but among the important documents you will need to keep are the:\n\n- [Defined Contributions Retirement Plan document (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/retirement-plan-trust-agreement-basic-plan-doc.pdf)\n- The Defined Contribution Retirement Plan-Trust Agreement\n- Designated Roth contributions addendum to a Defined Contribution Retirement plan\n- Defined Contribution Retirement Plan - 401(k) Salary Reduction Agreement\n- The Defined Contribution Retirement Plan - Profit Sharing\/401Ik) Plan Adoption Agreement No. 001\n- Records of all contributions and distributions\n- The year of first contribution if you have made Roth deferrals\n- Any corrections of errors of operation, should they occur\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/retirement\/good-records-maintain-plan.jpg)\n\nOver the life of your self-employed 401(k), you may have reason to amend your adoption agreement. You should keep any older versions, along with the most current version. You should operate your plan under the most recent version of the plan document, however, you should keep a copy of all versions your plan has operated under. Note: Fidelity doesn't retain these records on your behalf.\n\n### Be aware of who's eligible for your plan\nFidelity's Self-employed 401(k) is designed for self-employed individuals or small owner-only businesses with no employees other than spouse-employees.\n\nShould you hire an employee, even part time, you may be required to cover them with your plan.\n\nThe rules for eligibility and how much you must contribute for employees can be very complicated, and you'll likely need to consult a tax advisor for assistance.\n\n**Rules for participation**   \n As a result of the SECURE Act and the SECURE Act 2.0, the strictest age and service requirements that you can apply to an employee before they can participate in a 401(k) are:\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/retirement\/eligible-maintain-plan.jpg)\n\n1. The employee must be at least 21 years old with service time of at least 1 year (12 months) and no less than 1,000 hours of service,   \n      \n    OR\n2. The employee must have completed 3 consecutive years (36 months) of service, with at least 500 hours of service or more each year, provided the employee turned age 21 by the close of the third year. The later could make 401(k) deferrals under the plan available to certain part-time employees starting 1\/1\/2024. Beginning in 2023, the SECURE Act 2.0 reduces the 3-year rule to 2 years. This could affect employees starting 1\/1\/2025.\n\nNote: In accordance with IRS Notice 2024-73, employees' ability to defer into the plan is delayed until 1\/1\/26.\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/retirement\/rules-maintain-plan.jpg)\n\n### Rules and tax ramifications for withdrawals\nParticipants are eligible for a withdrawal once a triggering event occurs. To see a full list of triggering events and to submit a distribution request, please see the [Defined Contribution Retirement Plan One-Time Withdrawal form (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/retirement-plan-single-withdrawal-form-payment-form.pdf).\n\n*From the Traditional Self-employed 401(k) account:* Distributions are taxable as ordinary income. If you withdraw before age 59½, you may be subject to an IRS penalty. Once you reach age 73, you must take a required minimum distribution (RMD) annually, even if you're still working. Distributions from a Traditional Self-employed 401k are penalty-free provided certain conditions or circumstances are met, please see the [Defined Contribution Basic Plan Document (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/retirement-plan-trust-agreement-basic-plan-doc.pdf) for exceptions and rules.\n\n*From the Roth Self-employed 401(k) account:* Qualified distributions from your designated Roth account are tax free. To be qualified, your designated Roth account must have met its 5-year aging requirement and your distribution must be made at age 59½ years of age or older, due to disability, or from an inherited account. Unqualified distributions are done proportionally between your contributions and earnings. The earnings may be subject to taxes and penalties.\n\n- [Expand all](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n- [Collapse all](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n### **Other maintenance considerations**\n- [Factors that impact your tax reporting](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  The plan administrator is responsible for retaining records of all contributions into the plan, as well as the year of first contribution. Fidelity retains this information for plans established, and contributions made, at Fidelity. If any Roth contributions need to be updated due to a transfer or rollover, you may update the information here.\n  \n  If the plan administrator needs to update the year of first contributions, please use the [Retirement Plan Information Form (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/retirement-plan-info-instructions-and-form.pdf).\n  \n  If part of the plan is maintained outside of Fidelity—or any in-plan rollovers (IRRs) have been done outside of Fidelity—the plan administrator will be responsible for providing, upon any withdrawals, the principal amount in the plan, the taxable amount of the distribution, and any IRR amount.\n- [5500 tax filing](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  401(k)s have a tax filing that will be required of the plan administrator, sometimes on an annual basis or perhaps just once. Factors that determine how often and what version of form 5500 the plan administrator must file depends partly on whether or not you have employees in your plan, and what your plan assets are in total. Each year in late April, Fidelity will send you an Annual Valuation Statement (AVS) for your plan to help you determine if a filing is necessary. Most owner only plans can file the 5500EZ after plan assets exceed \\$250,000, but consult the IRS of your tax advisor if you are unsure of which version applies to your plan and if you are required to file. See [Understanding form 5500](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/form-5500) for more information and help with the filing.\n- [Correcting errors of operation](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  If an error is made operating your plan, it's your responsibility as the plan administrator to make necessary corrections. See *[Helpful resources](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview#resources)* below for more information.\n  \n  Some common errors of operation are:\n  \n  - Over-contributing to the plan, resulting in an excess contribution. You should do everything you can to avoid over-contributing, as it can be costly and difficult to correct an excess contribution. There are multiple types of excess, but the two most common are:\n    - The profit-sharing excess, which cannot be removed from the plan. The IRS remedy is to \"carry forward\" the excess and apply it to a future year. Penalties may apply.\n    - Some excess salary deferral contributions, which may be removed. These must be removed by 4\/15 after the year the excess was deferred using the [Return Of Excess Contribution Request Self-employed 401(k)\/Roth Self-employed 401(k) plan](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/se401k-roe.pdf) form.\n  - Making an ineligible catch-up contribution into a traditional Self-employed 401(k) account. The IRS required that catch-up contributions be made as a designated Roth deferral into a Roth Self-employed 401(k) account for certain participants.\n    - If you are a W2 employee age 50 or older and your income exceeds \\$150,000 (in 2025, adjusted annually), then for tax year 2026 you are required to make any catch-up contributions on a Roth basis.\n    - If you mistakenly made your catch-up contribution to the traditional 401(k) account, timely corrections must be completed prior to filing form W-2, generally January 31st. For more information and to make a timely correction review, complete and return the [Roth Self-employed 401(k) Account Ineligible Catch-up Contribution Correction for W-2 Employees](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/rothse401k-contribution-correction.pdf) form.\n    - Untimely corrections may be able to be completed by doing a Return of Excess. We encourage you to consult a tax advisor.\n    - A deposited removed as a return of excess many not be redeposited into any account in the plan.\n    - Recharacterizations are not permitted in qualified plans, including the Self-employed 401(k).\n- [Terminating your plan when necessary](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n  An active plan should have substantial and recurring contributions. If you're ready to terminate your plan, please see the [Self-employed 401(k) Termination Guide (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/self-employed-termination.pdf).\n  \n  If instead of a self-employed 401(k) you have a money purchase and\/or a profit-sharing plan please use one of the following guides:\n  \n  [Money Purchase Termination Guide (PDF)](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/money-purchase-termination.pdf)   \n   [Profit Sharing Termination Guide](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/customer-service\/Profit-Sharing-Termination.pdf)\n\n### **Helpful resources**\n- [The Employee Plans Compliance Resolution System (EPCRS)](https:\/\/www.irs.gov\/retirement-plans\/epcrs-overview)\n- [IRS 401(k) plan Fix-It Guide](https:\/\/www.irs.gov\/retirement-plans\/401k-plan-fix-it-guide)\n- [IRS 401(k) plan additional resources](https:\/\/www.irs.gov\/retirement-plans\/irc-401k-plans-additional-resources)\n- [IRS Website](https:\/\/www.irs.gov\/)\n- [Fidelity guide to understanding form 5500](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/form-5500)\n- [Fidelity Self-employed 401(k) Plan Manager for updating the Roth 401(k) principal amount due to a transfer or rolloverLog In Required](https:\/\/digital.fidelity.com\/ftgw\/digital\/pah\/)\n\n## **More resources for your small business**\n###\n### Start and grow your business\nExplore what you need to know to become your own boss.\n\n###\n### An HSA for your small business\nSee why a Fidelity HSA® makes sense for small businesses and their employees.\n\n###\n### Benefits basics for self-employed workers\nA guide to health coverage, life insurance, and retirement plans.\n\n## **Have more questions?**\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon-images\/fds\/phone-48x48.svg) **[Call 800-544-5373](tel:1-800-544-5373) and say \"Small Business Retirement\"**\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon-images\/fds\/chat-48x48.svg)[**Chat**](https:\/\/www.fidelity.com\/customer-service\/chat-with-us)\n\nInvesting involves risk, including risk of loss.\n\n1\\. There is no opening cost, closing cost, or annual fee for Fidelity's self-employed 401(k).\n\n2\\.\n\nNo account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See [Fidelity.com\/commissions](https:\/\/www.fidelity.com\/trading\/commissions-margin-rates \"Fidelity.com\/commissions\") for further details.\n\n3\\. Some mutual funds may need to be sold and transferred over as cash. Most stocks will transfer over in-kind. Stocks you own trading at less than \\$1.00 a share, may need to be sold and transferred over as cash. Fidelity doesn't charge a fee to move assets from another institution; however, your current firm may charge to transfer your assets to us.\n\n4\\. Participants age 50-59 or 64+ may defer \\$24,500 for 2026 and \\$23, 500 for 2025 PLUS an additional catch-up contribution of \\$7,500 for 2025 and \\$8,000 for 2026. For participants age 60-63 the catch-up contribution remains is \\$11,250 for 2025 and 2026. These limits are subject to the combined deferral and employer contributions limits. The combined salary deferral and employer contributions cannot exceed \\$72,000 for 2026 and \\$70,000 for 2025, in addition to any applicable catch-up contributions.\n\n5\\. Maximum compensation on which contributions can be considered is \\$350,000 for 2025 and \\$360,000 for 2026. If you are self-employed, compensation means earned income.\n\nFidelity Brokerage Services LLC, Member NYSE, [SIPC](https:\/\/www.sipc.org\/), 900 Salem Street, Smithfield, RI 02917\n\n560603\\.34.0\n\n## Footer\n- [Mutual Funds](https:\/\/www.fidelity.com\/mutual-funds\/overview)\n- [ETFs](https:\/\/www.fidelity.com\/etfs\/overview)\n- [Fixed Income](https:\/\/www.fidelity.com\/fixed-income-bonds\/overview)\n- [Bonds](https:\/\/www.fidelity.com\/fixed-income-bonds\/individual-bonds\/overview)\n- [CDs](https:\/\/www.fidelity.com\/fixed-income-bonds\/cds)\n- [Options](https:\/\/www.fidelity.com\/options-trading\/overview)\n- [Crypto](https:\/\/www.fidelity.com\/crypto\/overview)\n- [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n- [Investor Centers](https:\/\/www.fidelity.com\/branches\/branch-locations)\n\n- [Stocks](https:\/\/www.fidelity.com\/stock-trading\/overview)\n- [Online Trading](https:\/\/www.fidelity.com\/trading\/overview)\n- [Direct Indexing](https:\/\/www.fidelity.com\/direct-indexing\/overview)\n- [Sustainable Investing](https:\/\/www.fidelity.com\/sustainable\/overview)\n- [Annuities](https:\/\/www.fidelity.com\/annuities\/overview)\n- [Life Insurance](https:\/\/www.fidelity.com\/life-insurance\/term-life-insurance\/overview)\n- [Long-Term Care Planning](https:\/\/www.fidelity.com\/life-insurance\/long-term-care\/overview)\n- [529 Plans](https:\/\/www.fidelity.com\/529-plans\/overview)\n- [Health Savings Account](https:\/\/www.fidelity.com\/go\/hsa\/why-hsa)\n\n- [IRAs](https:\/\/www.fidelity.com\/retirement\/retirement-accounts)\n- [Retirement Planning](https:\/\/www.fidelity.com\/retirement\/retirement-planning)\n- [Small Business Retirement Plans](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/compare-retirement-plans)\n- [Charitable Giving](https:\/\/www.fidelity.com\/building-savings\/charity-and-philanthropy)\n- [Marketplace Solutions](https:\/\/www.fidelity.com\/go\/marketplace\/overview)\n- [FINRA's BrokerCheck, (Opens in a new window)](https:\/\/brokercheck.finra.org\/Firm\/Summary\/7784)\n- [Why Fidelity](https:\/\/www.fidelity.com\/why-fidelity\/overview)\n\n### Stay Connected\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/FidCom_SocialIcons_0003_Instagram.png) [Instagram, (Opens in a new window)](https:\/\/www.instagram.com\/fidelityinvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/FidCom_SocialIcons_0002_LinkedIn.png) [LinkedIn, (Opens in a new window)](https:\/\/www.linkedin.com\/company\/fidelity-investments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/FidCom_SocialIcons_0004_YouTube.png) [YouTube, (Opens in a new window)](https:\/\/www.youtube.com\/user\/fidelityinvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/FidCom_SocialIcons_0006_Reddit.png) [Reddit, (Opens in a new window)](https:\/\/www.reddit.com\/r\/fidelityinvestments\/)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/FidCom_SocialIcons_0007_X.png) [X (Twitter), (Opens in a new window)](https:\/\/www.twitter.com\/fidelity)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/FidCom_SocialIcons_0000_Facebook.png) [Facebook, (Opens in a new window)](https:\/\/www.facebook.com\/fidelityinvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/tiktok%20icon.png) [TikTok, (Opens in a new window)](https:\/\/www.tiktok.com\/@fidelityinvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/Discord-Logo-Color-1.png) [Discord, (Opens in a new window)](https:\/\/discord.gg\/FidelityInvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/fidelitymobile26x26.png) [Fidelity Apps](https:\/\/www.fidelity.com\/mobile\/overview)\n- ![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/icon\/refer26x26.png) [Refer a Friend](https:\/\/www.fidelity.com\/customer-service\/friendsandfamily3a?ccsource=RAFFooterNav)\n\n![Fidelity.com Home](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Fidelity-footer-logo.png)\n\n- [Careers](https:\/\/jobs.fidelity.com\/)\n- [News Releases](https:\/\/newsroom.fidelity.com\/)\n- [About Fidelity](https:\/\/about.fidelity.com\/)\n- [International](https:\/\/www.fidelityinternational.com\/)\n\nCopyright 1998-2024 FMR LLC. All Rights Reserved.\n\n- [Terms of Use](https:\/\/www.fidelity.com\/terms-of-use)\n- [Privacy](https:\/\/www.fidelity.com\/privacy\/overview)\n- [Security](https:\/\/www.fidelity.com\/security\/overview)\n- [Site Map](https:\/\/www.fidelity.com\/sitemap\/overview)\n- [Accessibility](https:\/\/www.fidelity.com\/accessibility\/overview)\n- [Contact Us, (Opens in a new window)](https:\/\/www.fidelity.com\/customer-service\/contact-us)\n- [Share Your Screen](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n- [Disclosures, (Opens in a new window)](https:\/\/communications.fidelity.com\/information\/crs\/)\n- [Manage My Targeting\/Advertising Cookies](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n[This is for persons in the US only.](https:\/\/www.fidelity.com\/terms-of-use#For)\n\n[close](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n### Establishment deadlines\nCorporations and partnership plans established by December 31, as well as sole proprietor plans established and funded by their tax-filing deadline (without extensions), may contribute both profit sharing and employee deferrals.\n\nHowever, only profit sharing contributions are allowed for:\n\n- Corporations and partnership plan established after the business’s year end, but before their extension deadline.\n- Sole proprietorship plans established after their tax filing deadline, but before their extension deadline.\n\n[close](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n![](https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/retirement\/loa-letter-example.png)\n\n[close](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n**Important Information**\n\nVirtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided.\n\n*Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.*\n\nFidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.\n\nFidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917\n\n796549\\.1.0","attrs_readable_markdown":"Investing involves risk, including risk of loss.\n\n1\\. There is no opening cost, closing cost, or annual fee for Fidelity's self-employed 401(k).\n\n2\\.\n\nNo account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See [Fidelity.com\/commissions](https:\/\/www.fidelity.com\/trading\/commissions-margin-rates \"Fidelity.com\/commissions\") for further details.\n\n3\\. Some mutual funds may need to be sold and transferred over as cash. Most stocks will transfer over in-kind. Stocks you own trading at less than \\$1.00 a share, may need to be sold and transferred over as cash. Fidelity doesn't charge a fee to move assets from another institution; however, your current firm may charge to transfer your assets to us.\n\n4\\. Participants age 50-59 or 64+ may defer \\$24,500 for 2026 and \\$23, 500 for 2025 PLUS an additional catch-up contribution of \\$7,500 for 2025 and \\$8,000 for 2026. For participants age 60-63 the catch-up contribution remains is \\$11,250 for 2025 and 2026. These limits are subject to the combined deferral and employer contributions limits. The combined salary deferral and employer contributions cannot exceed \\$72,000 for 2026 and \\$70,000 for 2025, in addition to any applicable catch-up contributions.\n\n5\\. Maximum compensation on which contributions can be considered is \\$350,000 for 2025 and \\$360,000 for 2026. If you are self-employed, compensation means earned income.\n\nFidelity Brokerage Services LLC, Member NYSE, [SIPC](https:\/\/www.sipc.org\/), 900 Salem Street, Smithfield, RI 02917\n\n560603\\.34.0","meta_canonical":null}

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Property	Value
URL	https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview
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Meta Title	Solo 401(k) Plan \| Maximize Retirement Savings \| Fidelity Investments
Meta Description	Explore Fidelity's Solo 401(k)—a retirement plan designed for sole proprietors and owner-only businesses. Benefit from high contribution limits, tax advantages, and no-account fees. Start saving more for your future today.
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Boilerpipe Text	Investing involves risk, including risk of loss. 1. There is no opening cost, closing cost, or annual fee for Fidelity's self-employed 401(k). 2. No account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See Fidelity.com/commissions for further details. 3. Some mutual funds may need to be sold and transferred over as cash. Most stocks will transfer over in-kind. Stocks you own trading at less than $1.00 a share, may need to be sold and transferred over as cash. Fidelity doesn't charge a fee to move assets from another institution; however, your current firm may charge to transfer your assets to us. 4. Participants age 50-59 or 64+ may defer $24,500 for 2026 and $23, 500 for 2025 PLUS an additional catch-up contribution of $7,500 for 2025 and $8,000 for 2026. For participants age 60-63 the catch-up contribution remains is $11,250 for 2025 and 2026. These limits are subject to the combined deferral and employer contributions limits. The combined salary deferral and employer contributions cannot exceed $72,000 for 2026 and $70,000 for 2025, in addition to any applicable catch-up contributions. 5. Maximum compensation on which contributions can be considered is $350,000 for 2025 and $360,000 for 2026. If you are self-employed, compensation means earned income. Fidelity Brokerage Services LLC, Member NYSE, SIPC , 900 Salem Street, Smithfield, RI 02917 560603.34.0
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Investment Products » - [Retirement & IRAs](https://www.fidelity.com/retirement-ira/overview) » - [Small Business](https://www.fidelity.com/retirement-ira/small-business/overview) » - [Print](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview#print) - [Share](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview#share) [Share](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) [![Close](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/css/closex_blk_big.gif)](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ## Mutual Funds and Mutual Fund Investing - Fidelity Investments Clicking a link will open a new window. - [Facebook](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview#facebook) - [Twitter](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview#twitter) - [LinkedIn](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview#linkedin) # Self-employed 401(k) A 401(k) to help self-employed individuals reduce taxes and save more Self-employed individuals, owner-only businesses, and partnerships can save more for retirement through a 401(k) plan designed especially for you. [Open an account](https://digital.fidelity.com/prgw/digital/account-opening/se401k/user-check) [Compare all small-business plans](https://www.fidelity.com/retirement-ira/small-business/compare-retirement-plans) - [Overview]() - [Make a contribution]() - [Maintain your 401(k)]() [Overview](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ## Benefits of a Fidelity Self-employed 401(k) ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon-images/fds/saving-48x48.svg) ### Higher contribution limits Up to \$72,000 for 2026 (employer & employee), plus "catch-up" options for ages 50+. ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon-images/fds/qualify-48x48.svg) ### Tax advantages Potential deductions for employers, with employee tax advantages through traditional and Roth contributions. ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon-images/fds/no-fees-minimum-commission-48x48.svg) ### No fees No account fees for your plan with Fidelity.1,2 ## One plan, multiple ways to save on taxes Looking to reduce your taxable income and grow your savings tax-advantaged? A self-employed 401(k) from Fidelity can help. Cut your income taxes: Deduct traditional 401(k) contributions from your business and/or personal tax returns, as applicable. Tax-free growth potential: Your investments have the potential for tax-free growth until withdrawal. Add a Roth option: Make after-tax contributions that may grow—and be withdrawn—tax-free if requirements are met. [Open an account](https://digital.fidelity.com/prgw/digital/account-opening/se401k/user-check) ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/retirement/save-taxes.png) ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/retirement/add-roth.png) ## Add Roth contributions for tax flexibility and savings potential—at any age New from Fidelity, the potential for tax-free growth in your Self-employed 401(k) with our optional Roth feature. For some individuals, a Roth will be required (starting January 1, 2026) for making catch-up contributions when: - You're a W2 employee age 50 or older - Your income exceeds \$150,000 (in 2025 for 2026 contributions, adjusted annually) New and existing customers can add the Roth feature anytime by selecting "Open an account." ## Self-employed 401(k) contribution limits Know your limit: Answer 4 questions—we'll calculate your contribution limit to all plans available to you. [Calculate your personal limit](https://calculators.ssnc.cloud/FidelitySEP/SEP) See how it's done: Learn how to make a contribution, including salary deferral elections. [Learn more about making a contribution](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview?selectTab=1) ## Easy online account opening In a few clicks, we'll walk you through the questions to complete your: - Self-employed 401(k) account application: This is where we gather all your important personal and business information to get your account opened. - Adoption agreement: This is the form used to define the eligibility requirements you'd like to set for your plan. Keep in mind: By selecting Open an account, new and existing customers also have the ability to add the optional Roth feature. Note: Some situations below may require you to print and mail the forms to Fidelity. [Open an account](https://digital.fidelity.com/prgw/digital/account-opening/se401k/user-check) ## Do any of these situations apply? - You're not the plan administrator - You operate multiple qualified plans for your business - You're part of an affiliated group of employers - You need to integrate the plan with Social Security - You are not a U.S Citizen If so, please download and complete the following forms, and return them to Fidelity (keep a copy for your records): - [Self-employed 401(k) adoption agreement (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/401k-adoption-agreement.pdf) - [Self-employed 401(k) account application](https://www.fidelity.com/customer-service/forms-applications/se-401k) for yourself and each participating owner (including the business owner's spouse, if applicable). Please review, download, save (or print for your records), and complete if applicable: - [The Defined Contribution Retirement Basic Plan Document](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/retirement-plan-trust-agreement-basic-plan-doc.pdf) - [Trust agreement (PDF) (please complete)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/retirement-plan-trust-agreement.pdf) - [Designated Roth Contributions Addendum to a Defined Contribution Retirement Plan (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/Roth-Se401k-Addendum.pdf) ## Frequently asked questions - [Expand all](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) - [Collapse all](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ### Plan details - [What type of plan is a Self -Employed 401(k) plan?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) A Self-Employed 401(k) plan is a profit-sharing plan with a salary deferral arrangement, qualified under Internal Revenue Code 401. - [What is a Roth Self-employed 401(k)?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) The Roth Self-employed 401(k) is an account within your Self-employed 401(k) plan in which you must make any designated Roth deferral contributions. A separate account is needed for accurate tracking and tax reporting purposes. - [Can I convert my existing balance in the Self-employed 401(k) plan into the new Roth Account?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) No, Fidelity does not support in plan Roth conversion at this time. ### Eligibility - [Who is a Self-employed 401(k) plan appropriate for?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) A self-employed 401(k) plan may be appropriate for sole-proprietors and other small businesses who have no eligible employees other than owners and spouses of the owners. Individuals with corporations (Corp.), limited liability corporations (LLC), and partnerships may also be able to establish a self-employed 401(k), provided there are no common law employees of the business. - [Who can participate in the Self-employed 401(k)?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) In addition to the business owners, the owners' spouses may participate in the plan provided they are compensated employees of the business. - [When would a Self-employed 401(k) not be appropriate?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) If the company has common law employees this plan is not appropriate. This plan might not be appropriate if you have ownership interest in more than one business or are a participant in a company sponsored 401(k) or other salary deferral retirement plan. If you are looking for a plan with loans, hardship withdrawals, in plan conversions to Roth, or the ability to make employer contributions as Roth, this would not be appropriate for your business as these features are not offered at this time. - [What are the administrative requirements associated with the plan?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) The plan administrator, who is typically the business owner, would be responsible for the administration of the plan, and is required to maintain and update, when needed, all plan records and documents pertaining to the plan. Making and tracking contributions to and approving distributions from the plan are also the plan administrator's responsibility. In addition, the plan administrator is responsible for the tax filing that is required for some plans annually and all plans upon termination. Please see [Maintain your 401(k)](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview?selectTab=2) for more information. - [What is the deadline to establish a Self-employed 401(k) plan?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) The deadline to open a new plan is generally the tax filing deadline (including extensions) of the sponsoring business. Note: For partnerships and corporations that establish their plan after the business's year end, only the employer profit sharing contributions are allowed for the first year. Sole proprietors who establish their plan after the business's year end and before their tax filing deadline (no extension) must make their deferral contribution by their tax filing deadline (no extension). Sole proprietors who establish their plan after their tax filing deadline but before their extension deadline may only make profit sharing contributions for the plan's establishment year. - [How do I add my spouse to the plan?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) A spouse, who is also a compensated employee of the business, may be added to the plan by using the [Self-Employed 401(k) account application](https://www.fidelity.com/customer-service/forms-applications/se-401k). [Make a contribution](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ## Ways to contribute Build your savings today by using one of the following options: ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon-images/fds/nav-highlight-48x48.svg) ### Electronic funds transfer (EFT) Move money from an external bank to your Fidelity account. [Contribute nowLog In Required](https://digital.fidelity.com/ftgw/digital/transfer) ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon-images/fds/deposit-to-account-48x48.svg) ### Transfer from a Fidelity account Make a contribution from a Fidelity account. [Contribute nowLog In Required](https://digital.fidelity.com/ftgw/digital/transfer/) ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon-images/fds/phone-outline-48x48.svg) ### Mobile check deposit Using your phone or mobile device, deposit in a snap using just your camera and the Fidelity app. [Download app](https://www.fidelity.com/mobile/mobile-check-deposit) ## Contribution limits \| Contribution type \| 2025 maximum4 \| 2026 maximum4 \| \|---\|---\|---\| \| Employee Salary Deferral Contributions \| \$23,500 \| \$24,500 \| \| Catch-up opportunity (Ages 50-59 and age 64+) \| \$7,500 \| \$8,000 \| \| Catch-up opportunity (Ages 60-63) \| \$11,250 \| \$11,250 \| \| Employer profit sharing contribution5 \| \$70,000 \| \$72,000 \| \| Note: The employee salary deferral contribution has one overall annual limit that’s aggregated between your traditional and Roth contributions to a Self-employed 401(k). \| \| \| Want to calculate your limit based on your personal circumstances? Use our fast and easy [Small Business Retirement Plan Contribution Calculator](https://calculators.ssnc.cloud/FidelitySEP/SEP). ## Contribution deadlines - The year your plan is established, contribution deadlines are based on your business structure and other considerations. See [establishment deadlines](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview). - For subsequent years, employee salary deferrals and company profit sharing contributions must be completed by business's tax filing deadline, including extensions. - Commencement of salary deferral is a [written salary deferral election (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/401k-salary-reduction-agreement.pdf), typically by the business's fiscal year end. Call a retirement specialist at 800-544-5373, and say "retirement representative," to get help with a rollover into a Fidelity Self-employed 401(k). ## Ways to move outside accounts to a Fidelity Self-employed 401(k) If you have retirement accounts elsewhere, you can still take advantage of Fidelity Self-employed 401(k). ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/retirement/transfering-contribution.jpg) ### Have a Self-employed 401(k) elsewhere? Transferring to Fidelity is fast and easy. Transfer all or part of your non-Fidelity Self-employed 401(k)—including stocks, bonds, mutual funds, and other security types—without needing to sell your investments.3 [Start a transferLog In Required](https://digital.fidelity.com/ftgw/digital/transfer) ## How to roll over an old workplace plan to a Fidelity Self-employed 401(k) If you have an old workplace retirement account, such as a 401(k), you have the option to roll it over into a Self-employed 401(k). Be sure to consult with a tax advisor before making a change to your retirement plan. If you decide to rollover assets, here are the steps: 1. Start by opening a Fidelity Self-employed 401(k) online 2. Initiate the rollover of your money by calling your workplace plan provider or using their website 3. Prepare a Letter of Acceptance (LOA) to accompany your rollover We've included a [sample letter](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) to show you what to include your LOA. Fidelity requires a copy of the LOA, and your old provider may require a copy as well. Keep a copy for your plan records. Please note: You cannot move pre-tax assets into a Roth Self-employed 401(k) account; Fidelity does not support conversions. 4. Deposit your money in your Fidelity Self-employed 401(k), along with your LOA Your old workplace plan provider will give you a choice: • Have your old provider send the money directly to us, or • Deposit it yourself You have multiple options for sending the money to Fidelity. If by check, make it payable to Fidelity Investments, FBO \[name of plan participant\]. Checks do not need to be endorsed and should include your Fidelity Self-employed 401(k) account number. If your old provider sends the money to Fidelity, be sure to mail your LOA to Fidelity in advance of the check’s arrival, with a letter instructing Fidelity to expect a rollover check. For support, please call 800-544-5373 and say "Small Business Retirement." ## Frequently asked questions - [Expand all](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) - [Collapse all](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ### - [Can I change the designation of my deferral once made?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) Once you have made a deferral contribution you can change its designation in only one instance: W2 employees who made \$150,000 (adjusted annually) in compensation or more in 2025, for 2026 contributions, must make any catch-up contributions as a designation Roth per IRS rules. If a contribution was made to the traditional Self-employed 401(k) that the government mandates be made as a designated Roth contribution, there is a timely correction process. For more information see “Correcting errors of operation” under the "Maintain your 401(k)" tab. Note: Recharacterizations are not permitted for qualified plans, including the Self-employed 401(k). The return of excess process is for true excesses only, and once removed from the plan may not be redeposited. - [How do I set up my salary deferral elections?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) If you have an unincorporated business, you (and your spouse if they are an employee of the business) must make a written salary deferral election before the end of the year. Employees of incorporated businesses must make a written salary deferral election before they can begin deferring from paychecks and that must be before the end of the business's tax year. You may use the sample [401(k) Salary Reduction Agreement Form (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/401k-salary-reduction-agreement.pdf). Fill it out and have each participating owner (including the business owner's spouse, if applicable) complete a Salary Reduction Agreement Form if they will be making salary deferral contributions to the plan. Please keep this form for your own records. There is no need to send a copy to Fidelity. - [How much can I contribute to my Self-employed 401(k)?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) - Individuals may elect a salary deferral amount up to \$23,500 for 2025 and \$24,500 for 2026. - Employers may contribute a profit-sharing amount up to 25% of compensation, with the maximum allowed combined employer and salary deferral contribution amount of \$70,000 for 2025 and \$72,000 for 2026. - For participants age 50-59 or 64+, additional salary deferral catch-up contributions are allowed of \$7,500 for 2025 and \$8,000 for 2026. For participants age 60-63 the catch-up contribution \$11,250 for 2025 and 2026. - [What contribution types can be made to the Roth Self-employed 401(k)?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) Only employee salary deferral contributions can be made into the Roth Self-employed 401(k). - [Am I required to make designated Roth contributions to my Self-employed 401(k)?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) Some participants will need to make their catch-up contributions as Roth starting in 2026. It's voluntary for everyone else. Beginning January 1, 2026, section 603 of the SECURE 2.0 ACT of 2022 requires that eligible participants in a 401(k) plan whose wages for the preceding calendar year exceeded \$150,000 (adjusted annually), must make any catch-up contributions as designated Roth deferrals. - [What is the benefit of the Roth Self-employed 401(k)](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) Qualified distributions are tax free—that includes the earnings. You do not, however, receive a tax deduction when you make the contribution. See your tax advisor if you have questions on whether tax free distributions are best for you. - [How do I establish to the Roth Self-employed 401(k)?](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) If you are ready to establish your Roth Self-employed 401(k) you'll need an [account setup](https://digital.fidelity.com/prgw/digital/account-opening/se401k/user-check) and you'll need to fill out the [Roth Self-employed 401(k) Addendum (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/Roth-Se401k-Addendum.pdf). [Maintain your 401(k)](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/retirement/get-started-maintain-plan.jpg) ### Get started with your activated plan Once you've established your Self-employed 401(k), don't forget to: 1. Become familiar with the [Defined Contributions Retirement Plan document (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/retirement-plan-trust-agreement-basic-plan-doc.pdf), which contains the IRS-approved rules for your plan, as well as a definition of terms. The plan administrator must abide by the rules detailed in the plan document. 2. Make timely contributions. Missing your deadline can cost you money. For details, see [Contribute to your Self-employed 401(k)](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview?selectTab=1). ### Remember to keep good records You'll want to keep a file of all relevant documents, starting with the forms used to establish your plan. This is not a comprehensive list, but among the important documents you will need to keep are the: - [Defined Contributions Retirement Plan document (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/retirement-plan-trust-agreement-basic-plan-doc.pdf) - The Defined Contribution Retirement Plan-Trust Agreement - Designated Roth contributions addendum to a Defined Contribution Retirement plan - Defined Contribution Retirement Plan - 401(k) Salary Reduction Agreement - The Defined Contribution Retirement Plan - Profit Sharing/401Ik) Plan Adoption Agreement No. 001 - Records of all contributions and distributions - The year of first contribution if you have made Roth deferrals - Any corrections of errors of operation, should they occur ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/retirement/good-records-maintain-plan.jpg) Over the life of your self-employed 401(k), you may have reason to amend your adoption agreement. You should keep any older versions, along with the most current version. You should operate your plan under the most recent version of the plan document, however, you should keep a copy of all versions your plan has operated under. Note: Fidelity doesn't retain these records on your behalf. ### Be aware of who's eligible for your plan Fidelity's Self-employed 401(k) is designed for self-employed individuals or small owner-only businesses with no employees other than spouse-employees. Should you hire an employee, even part time, you may be required to cover them with your plan. The rules for eligibility and how much you must contribute for employees can be very complicated, and you'll likely need to consult a tax advisor for assistance. Rules for participation As a result of the SECURE Act and the SECURE Act 2.0, the strictest age and service requirements that you can apply to an employee before they can participate in a 401(k) are: ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/retirement/eligible-maintain-plan.jpg) 1. The employee must be at least 21 years old with service time of at least 1 year (12 months) and no less than 1,000 hours of service, OR 2. The employee must have completed 3 consecutive years (36 months) of service, with at least 500 hours of service or more each year, provided the employee turned age 21 by the close of the third year. The later could make 401(k) deferrals under the plan available to certain part-time employees starting 1/1/2024. Beginning in 2023, the SECURE Act 2.0 reduces the 3-year rule to 2 years. This could affect employees starting 1/1/2025. Note: In accordance with IRS Notice 2024-73, employees' ability to defer into the plan is delayed until 1/1/26. ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/retirement/rules-maintain-plan.jpg) ### Rules and tax ramifications for withdrawals Participants are eligible for a withdrawal once a triggering event occurs. To see a full list of triggering events and to submit a distribution request, please see the [Defined Contribution Retirement Plan One-Time Withdrawal form (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/retirement-plan-single-withdrawal-form-payment-form.pdf). From the Traditional Self-employed 401(k) account: Distributions are taxable as ordinary income. If you withdraw before age 59½, you may be subject to an IRS penalty. Once you reach age 73, you must take a required minimum distribution (RMD) annually, even if you're still working. Distributions from a Traditional Self-employed 401k are penalty-free provided certain conditions or circumstances are met, please see the [Defined Contribution Basic Plan Document (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/retirement-plan-trust-agreement-basic-plan-doc.pdf) for exceptions and rules. From the Roth Self-employed 401(k) account: Qualified distributions from your designated Roth account are tax free. To be qualified, your designated Roth account must have met its 5-year aging requirement and your distribution must be made at age 59½ years of age or older, due to disability, or from an inherited account. Unqualified distributions are done proportionally between your contributions and earnings. The earnings may be subject to taxes and penalties. - [Expand all](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) - [Collapse all](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ### Other maintenance considerations - [Factors that impact your tax reporting](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) The plan administrator is responsible for retaining records of all contributions into the plan, as well as the year of first contribution. Fidelity retains this information for plans established, and contributions made, at Fidelity. If any Roth contributions need to be updated due to a transfer or rollover, you may update the information here. If the plan administrator needs to update the year of first contributions, please use the [Retirement Plan Information Form (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/retirement-plan-info-instructions-and-form.pdf). If part of the plan is maintained outside of Fidelity—or any in-plan rollovers (IRRs) have been done outside of Fidelity—the plan administrator will be responsible for providing, upon any withdrawals, the principal amount in the plan, the taxable amount of the distribution, and any IRR amount. - [5500 tax filing](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) 401(k)s have a tax filing that will be required of the plan administrator, sometimes on an annual basis or perhaps just once. Factors that determine how often and what version of form 5500 the plan administrator must file depends partly on whether or not you have employees in your plan, and what your plan assets are in total. Each year in late April, Fidelity will send you an Annual Valuation Statement (AVS) for your plan to help you determine if a filing is necessary. Most owner only plans can file the 5500EZ after plan assets exceed \$250,000, but consult the IRS of your tax advisor if you are unsure of which version applies to your plan and if you are required to file. See [Understanding form 5500](https://www.fidelity.com/retirement-ira/small-business/form-5500) for more information and help with the filing. - [Correcting errors of operation](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) If an error is made operating your plan, it's your responsibility as the plan administrator to make necessary corrections. See [Helpful resources](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview#resources) below for more information. Some common errors of operation are: - Over-contributing to the plan, resulting in an excess contribution. You should do everything you can to avoid over-contributing, as it can be costly and difficult to correct an excess contribution. There are multiple types of excess, but the two most common are: - The profit-sharing excess, which cannot be removed from the plan. The IRS remedy is to "carry forward" the excess and apply it to a future year. Penalties may apply. - Some excess salary deferral contributions, which may be removed. These must be removed by 4/15 after the year the excess was deferred using the [Return Of Excess Contribution Request Self-employed 401(k)/Roth Self-employed 401(k) plan](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/se401k-roe.pdf) form. - Making an ineligible catch-up contribution into a traditional Self-employed 401(k) account. The IRS required that catch-up contributions be made as a designated Roth deferral into a Roth Self-employed 401(k) account for certain participants. - If you are a W2 employee age 50 or older and your income exceeds \$150,000 (in 2025, adjusted annually), then for tax year 2026 you are required to make any catch-up contributions on a Roth basis. - If you mistakenly made your catch-up contribution to the traditional 401(k) account, timely corrections must be completed prior to filing form W-2, generally January 31st. For more information and to make a timely correction review, complete and return the [Roth Self-employed 401(k) Account Ineligible Catch-up Contribution Correction for W-2 Employees](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/rothse401k-contribution-correction.pdf) form. - Untimely corrections may be able to be completed by doing a Return of Excess. We encourage you to consult a tax advisor. - A deposited removed as a return of excess many not be redeposited into any account in the plan. - Recharacterizations are not permitted in qualified plans, including the Self-employed 401(k). - [Terminating your plan when necessary](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) An active plan should have substantial and recurring contributions. If you're ready to terminate your plan, please see the [Self-employed 401(k) Termination Guide (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/self-employed-termination.pdf). If instead of a self-employed 401(k) you have a money purchase and/or a profit-sharing plan please use one of the following guides: [Money Purchase Termination Guide (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/money-purchase-termination.pdf) [Profit Sharing Termination Guide](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Profit-Sharing-Termination.pdf) ### Helpful resources - [The Employee Plans Compliance Resolution System (EPCRS)](https://www.irs.gov/retirement-plans/epcrs-overview) - [IRS 401(k) plan Fix-It Guide](https://www.irs.gov/retirement-plans/401k-plan-fix-it-guide) - [IRS 401(k) plan additional resources](https://www.irs.gov/retirement-plans/irc-401k-plans-additional-resources) - [IRS Website](https://www.irs.gov/) - [Fidelity guide to understanding form 5500](https://www.fidelity.com/retirement-ira/small-business/form-5500) - [Fidelity Self-employed 401(k) Plan Manager for updating the Roth 401(k) principal amount due to a transfer or rolloverLog In Required](https://digital.fidelity.com/ftgw/digital/pah/) ## More resources for your small business ### ### Start and grow your business Explore what you need to know to become your own boss. ### ### An HSA for your small business See why a Fidelity HSA® makes sense for small businesses and their employees. ### ### Benefits basics for self-employed workers A guide to health coverage, life insurance, and retirement plans. ## Have more questions? ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon-images/fds/phone-48x48.svg) [Call 800-544-5373](tel:1-800-544-5373) and say "Small Business Retirement" ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon-images/fds/chat-48x48.svg)[Chat](https://www.fidelity.com/customer-service/chat-with-us) Investing involves risk, including risk of loss. 1\. There is no opening cost, closing cost, or annual fee for Fidelity's self-employed 401(k). 2\. No account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See [Fidelity.com/commissions](https://www.fidelity.com/trading/commissions-margin-rates "Fidelity.com/commissions") for further details. 3\. Some mutual funds may need to be sold and transferred over as cash. Most stocks will transfer over in-kind. Stocks you own trading at less than \$1.00 a share, may need to be sold and transferred over as cash. Fidelity doesn't charge a fee to move assets from another institution; however, your current firm may charge to transfer your assets to us. 4\. Participants age 50-59 or 64+ may defer \$24,500 for 2026 and \$23, 500 for 2025 PLUS an additional catch-up contribution of \$7,500 for 2025 and \$8,000 for 2026. For participants age 60-63 the catch-up contribution remains is \$11,250 for 2025 and 2026. These limits are subject to the combined deferral and employer contributions limits. The combined salary deferral and employer contributions cannot exceed \$72,000 for 2026 and \$70,000 for 2025, in addition to any applicable catch-up contributions. 5\. Maximum compensation on which contributions can be considered is \$350,000 for 2025 and \$360,000 for 2026. If you are self-employed, compensation means earned income. Fidelity Brokerage Services LLC, Member NYSE, [SIPC](https://www.sipc.org/), 900 Salem Street, Smithfield, RI 02917 560603\.34.0 ## Footer - [Mutual Funds](https://www.fidelity.com/mutual-funds/overview) - [ETFs](https://www.fidelity.com/etfs/overview) - [Fixed Income](https://www.fidelity.com/fixed-income-bonds/overview) - [Bonds](https://www.fidelity.com/fixed-income-bonds/individual-bonds/overview) - [CDs](https://www.fidelity.com/fixed-income-bonds/cds) - [Options](https://www.fidelity.com/options-trading/overview) - [Crypto](https://www.fidelity.com/crypto/overview) - [Fidelity Trader+](https://www.fidelity.com/trading/trading-platforms) - [Investor Centers](https://www.fidelity.com/branches/branch-locations) - [Stocks](https://www.fidelity.com/stock-trading/overview) - [Online Trading](https://www.fidelity.com/trading/overview) - [Direct Indexing](https://www.fidelity.com/direct-indexing/overview) - [Sustainable Investing](https://www.fidelity.com/sustainable/overview) - [Annuities](https://www.fidelity.com/annuities/overview) - [Life Insurance](https://www.fidelity.com/life-insurance/term-life-insurance/overview) - [Long-Term Care Planning](https://www.fidelity.com/life-insurance/long-term-care/overview) - [529 Plans](https://www.fidelity.com/529-plans/overview) - [Health Savings Account](https://www.fidelity.com/go/hsa/why-hsa) - [IRAs](https://www.fidelity.com/retirement/retirement-accounts) - [Retirement Planning](https://www.fidelity.com/retirement/retirement-planning) - [Small Business Retirement Plans](https://www.fidelity.com/retirement-ira/small-business/compare-retirement-plans) - [Charitable Giving](https://www.fidelity.com/building-savings/charity-and-philanthropy) - [Marketplace Solutions](https://www.fidelity.com/go/marketplace/overview) - [FINRA's BrokerCheck, (Opens in a new window)](https://brokercheck.finra.org/Firm/Summary/7784) - [Why Fidelity](https://www.fidelity.com/why-fidelity/overview) ### Stay Connected - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/FidCom_SocialIcons_0003_Instagram.png) [Instagram, (Opens in a new window)](https://www.instagram.com/fidelityinvestments) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/FidCom_SocialIcons_0002_LinkedIn.png) [LinkedIn, (Opens in a new window)](https://www.linkedin.com/company/fidelity-investments) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/FidCom_SocialIcons_0004_YouTube.png) [YouTube, (Opens in a new window)](https://www.youtube.com/user/fidelityinvestments) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/FidCom_SocialIcons_0006_Reddit.png) [Reddit, (Opens in a new window)](https://www.reddit.com/r/fidelityinvestments/) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/FidCom_SocialIcons_0007_X.png) [X (Twitter), (Opens in a new window)](https://www.twitter.com/fidelity) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/FidCom_SocialIcons_0000_Facebook.png) [Facebook, (Opens in a new window)](https://www.facebook.com/fidelityinvestments) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/tiktok%20icon.png) [TikTok, (Opens in a new window)](https://www.tiktok.com/@fidelityinvestments) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/Discord-Logo-Color-1.png) [Discord, (Opens in a new window)](https://discord.gg/FidelityInvestments) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/fidelitymobile26x26.png) [Fidelity Apps](https://www.fidelity.com/mobile/overview) - ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/icon/refer26x26.png) [Refer a Friend](https://www.fidelity.com/customer-service/friendsandfamily3a?ccsource=RAFFooterNav) ![Fidelity.com Home](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Fidelity-footer-logo.png) - [Careers](https://jobs.fidelity.com/) - [News Releases](https://newsroom.fidelity.com/) - [About Fidelity](https://about.fidelity.com/) - [International](https://www.fidelityinternational.com/) Copyright 1998-2024 FMR LLC. All Rights Reserved. - [Terms of Use](https://www.fidelity.com/terms-of-use) - [Privacy](https://www.fidelity.com/privacy/overview) - [Security](https://www.fidelity.com/security/overview) - [Site Map](https://www.fidelity.com/sitemap/overview) - [Accessibility](https://www.fidelity.com/accessibility/overview) - [Contact Us, (Opens in a new window)](https://www.fidelity.com/customer-service/contact-us) - [Share Your Screen](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) - [Disclosures, (Opens in a new window)](https://communications.fidelity.com/information/crs/) - [Manage My Targeting/Advertising Cookies](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) [This is for persons in the US only.](https://www.fidelity.com/terms-of-use#For) [close](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ### Establishment deadlines Corporations and partnership plans established by December 31, as well as sole proprietor plans established and funded by their tax-filing deadline (without extensions), may contribute both profit sharing and employee deferrals. However, only profit sharing contributions are allowed for: - Corporations and partnership plan established after the business’s year end, but before their extension deadline. - Sole proprietorship plans established after their tax filing deadline, but before their extension deadline. [close](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ![](https://www.fidelity.com/bin-public/060_www_fidelity_com/images/retirement/loa-letter-example.png) [close](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) Important Information Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided. Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money. Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 796549\.1.0
Readable Markdown	Investing involves risk, including risk of loss. 1\. There is no opening cost, closing cost, or annual fee for Fidelity's self-employed 401(k). 2\. No account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See [Fidelity.com/commissions](https://www.fidelity.com/trading/commissions-margin-rates "Fidelity.com/commissions") for further details. 3\. Some mutual funds may need to be sold and transferred over as cash. Most stocks will transfer over in-kind. Stocks you own trading at less than \$1.00 a share, may need to be sold and transferred over as cash. Fidelity doesn't charge a fee to move assets from another institution; however, your current firm may charge to transfer your assets to us. 4\. Participants age 50-59 or 64+ may defer \$24,500 for 2026 and \$23, 500 for 2025 PLUS an additional catch-up contribution of \$7,500 for 2025 and \$8,000 for 2026. For participants age 60-63 the catch-up contribution remains is \$11,250 for 2025 and 2026. These limits are subject to the combined deferral and employer contributions limits. The combined salary deferral and employer contributions cannot exceed \$72,000 for 2026 and \$70,000 for 2025, in addition to any applicable catch-up contributions. 5\. Maximum compensation on which contributions can be considered is \$350,000 for 2025 and \$360,000 for 2026. If you are self-employed, compensation means earned income. Fidelity Brokerage Services LLC, Member NYSE, [SIPC](https://www.sipc.org/), 900 Salem Street, Smithfield, RI 02917 560603\.34.0
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