PEO 401(k) solutions from PrestigePEO give brokers a powerful way to offer cost-effective, fully managed retirement plans—without taking on added complexity. Strengthen your value to clients, stay competitive, and grow your business with support from a trusted partner.
Retirement plans are in high demand, but still out of reach for many small and medium-sized businesses (SMBs). Despite growing interest from both employers and employees, most SMBs still don’t offer a 401(k), often due to cost concerns, administrative burden, or compliance complexity.
As a broker, you have a unique opportunity to help your clients overcome these barriers. With the right partner, you can bring real retirement solutions to the table—without taking on the extra work yourself.
This article explores how PrestigePEO’s 401(k) offering empowers brokers to meet rising demand with a fully supported, easy-to-administer retirement plan. You’ll discover how our platform reduces risk, simplifies compliance, and helps you strengthen client relationships while growing your business.
In this article, you’ll learn how to:
- Position yourself as a strategic partner in retirement planning
- Offer fully managed 40(k) solutions without added administrative strain
- Help SMBs navigate compliance and fiduciary responsibilities with confidence
- Differentiate your services with transparent pricing and expert support
- Increase your revenue potential through PrestigePEO’s broker compensation model
Your Role as a Trusted Partner in Retirement Strategy
SMBs rely on you for expert guidance on health insurance and employee benefits. As the demand for retirement plans grows, 401(k) offerings are quickly becoming essential, not optional. Employees want long-term financial security, and employers need competitive tools to attract and retain top talent.
Yet, only about one-third of SMBs currently offer a retirement plan.
Many SMBs hesitate due to limited resources, lack of expertise, or the time commitment required to administer a plan. This is where your guidance, supported by a partnership with PrestigePEO, can make a meaningful difference.
With PrestigePEO, you can offer your clients a comprehensive 401(k) solution that includes plan design, compliance oversight, fiduciary support, and ongoing administration. You retain control of your client relationships while delivering more value, reducing their administrative burden, and unlocking new revenue opportunities for your business.
PrestigePEO: End-to-End Retirement Plan Management
As a trusted broker, you want to bring real solutions to your clients, not more administrative complexity. That’s where PrestigePEO comes in. Our fully managed 401(k) offering gives you a competitive edge by delivering the retirement benefits your clients need, while we manage the back-end administration and compliance.
Simplified Administration, Powerful Results
With PrestigePEO, retirement planning becomes simple and fully managed, from plan design and employee onboarding to recordkeeping and regulatory oversight, every aspect is handled by a dedicated team of retirement specialists.
Your clients can focus on growing their business while you remain their go-to resource for high-impact benefits solutions.
Make Retirement Plans Accessible and Affordable
Cost and compliance concerns often prevent SMBs from offering 401(k) plans. PrestigePEO helps remove those barriers by delivering solutions that are cost-effective, customizable, and fully supported, allowing you to better serve your clients while growing your business.
High-Value Plans for Small Businesses
PrestigePEO makes customizable 401(k) plans accessible by streamlining administration and leveraging trusted partners. Available features include:
- Traditional pre-tax optional Roth deferrals
- Safe Harbor employer contribution options
- Discretionary match or profit-sharing
- Investment advisory services through Slavic401k & BKS Partners
- Dedicated plan administrator
- Cost/benefit comparisons
Our 401(k) platform, offered through Slavic401k, features an open architecture investment structure that gives employees access to a wide range of high-quality funds. This flexibility allows your clients to tailor plans to their workforce demographics and business goals, making you a valuable partner in building a competitive benefits strategy.
Transparent, Predictable Pricing
Cost clarity is crucial for building trust. PrestigePEO offers easy-to-understand, itemized pricing with no hidden fees or surprise charges. You can confidently walk your clients through the numbers, knowing you’re offering a solution that’s transparent, fair, and aligned with their budget.
Built-In Compliance and Risk Management
PrestigePEO handles federal and state plan requirements—including annual filings, disclosures, and nondiscrimination testing—helping clients stay compliant and reducing their administrative burden.
Navigate State-Mandated Retirement Plans with Confidence
State governments across the U.S.—including California, New York, Oregon, and Illinois—have introduced mandatory retirement savings programs that require businesses to offer a retirement plan or enroll in a state-sponsored option. While these programs aim to expand access to retirement savings, they also create new compliance challenges for SMBs, many of whom lack the internal resources to manage evolving regulations.
This presents a valuable opportunity for brokers. With PrestigePEO as your partner, you can help clients avoid penalties, reduce administrative strain, and offer retirement plan solutions that go beyond the limitations of state-run programs.
How PrestigePEO supports state compliance:
- Real-Time Monitoring of Legislative Changes
Our compliance team tracks updates across all active state programs, keeping you and your clients informed about key deadlines and changing requirements. - Streamlined Administration
From required employee notices to payroll integration and reporting, PrestigePEO manages every aspect of plan administration, relieving your clients of time-consuming compliance tasks. - Flexible Alternatives to State Plans
Unlike most state-mandated options, PrestigePEO’s 401(k) solutions include employer-matching capabilities, a wide range of investment options, and plan designs that align with business goals and workforce demographics.
For your clients, this means more flexibility, increased employee engagement, and a better long-term retirement strategy. For you, it’s an opportunity to reinforce your role as a trusted advisor and expand your value as a benefits partner.
Reduce Fiduciary Responsibilities with PrestigePEO
Fiduciary risk is one of the most complex and high-stakes aspects of retirement planning. Your clients may not realize the full extent of their responsibilities as plan sponsors, which can expose them to liability. PrestigePEO helps reduce that risk by acting as a co-fiduciary and providing the ongoing support needed to keep plans on track.
Shared Fiduciary Responsibility
As plan sponsors, your clients carry a fiduciary responsibility—a legal duty to act in their employees’ best interests. That responsibility can be complex and time-consuming, especially for SMBs without in-house expertise. PrestigePEO serves as a co-fiduciary, sharing in that legal accountability and taking on the day-to-day oversight.
Expert Guidance Clients Can Rely On
Our retirement specialists offer ongoing support—from plan design and investment strategy to compliance updates and legislative changes. You bring more than a product to your clients—you deliver expert-backed oversight that builds trust and long-term value.
Strengthen Your Broker Offering with Turnkey Retirement Solutions
Expanding your services to include 401(k) plans doesn’t have to mean taking on more work. PrestigePEO allows you to offer fully managed retirement solutions while staying focused on your core business.
Expand Your Portfolio, Expand Your Business
Offering retirement planning through PrestigePEO elevates your role from benefits broker to full-service HR partner.
This helps you stand out in a competitive marketplace and strengthens client loyalty as their needs evolve.
Broker Compensation That Supports Your Growth
PrestigePEO supports brokers of all sizes with competitive lifetime payouts on 401(k) enrollments. There are no minimum production requirements, and you maintain full control of your client relationships.
We’re here to support your success, not compete with it.
The PrestigePEO Advantage: Real Solutions, Real Grow
Offering a 401(k) plan doesn’t have to be complicated or risky. With PrestigePEO, it becomes a turnkey opportunity to deliver more value, strengthen your client relationships, and grow your business.
Help your SMB clients offer fully managed, cost-effective retirement plans that attract and retain talent, without taking on the heavy administrative or fiduciary lift. When you partner with PrestigePEO, you’re offering more than retirement plans. You’re delivering real solutions that drive real results.
Ready to offer your clients more? Contact PrestigePEO to learn how we support brokers with comprehensive, client-first retirement planning solutions.
