Small-business retirement plan insights

When it comes to small and midsize businesses, we have big dreams for retirement

During times of uncertainty, widening the focus of retirement plans to encompass every phase of a plan participant’s financial journey simply makes sense.


Near-term financial challenges can jeopardize long-term retirement success—and participants face an unprecedented number of near-term challenges, including a continued COVID environment, inflation, supply-chain disruptions, and more.

The good news: While these challenges remain, plan sponsors of small and midsize businesses can use smart plan design features to keep participants on the road to financial well-being.

Smart moves for smart plan design

Looking for ways to simplify recordkeeping compliance, increase participation rates, and help participants maximize their savings? Insights to Action for Small and Midsize Businesses highlights how sponsors can optimize plan design to help accomplish their goals.

Large versus small plans

Small businesses should think big when it comes to retirement plan design. You can see exactly how small plans compare with large ones and glean best practices in DC Plan Comparison: Small Versus Large Employers.

Read the report →

Learn about our small-business retirement plan solutions →

Read the full research report

How America Saves 2023

You can trust data only when you know for certain it's deep, transparent, and thorough. It's what makes How America Saves a trusted source of information. Now in its 22nd edition, our examination of retirement plan data spans nearly 5 million defined contribution plan participants across our recordkeeping business. Read it to discover how improving participant outcomes is possible through smart plan design.

To learn how you can optimize your plan, contact your Vanguard representative or connect with us

All investing is subject to risk, including the possible loss of the money you invest. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Diversification does not ensure a profit or protect against a loss.