43% of Small Businesses Havent Started a 401(k)—Fix That Before You Lose Out!

Sun, 03 May 2026 09:58:54 +0000

**43% of Small Businesses Haven’t Started a 401(k)—Fix That Before You Lose Out** Why are almost half of small business owners not offering retirement plans for themselves or employees? A growing share of U.S. small businesses are overlooking a critical financial advantage: the 401(k) retirement plan. With ongoing economic shifts and rising awareness, this trend is sparking important conversations about long-term sustainability—and financial security for business founders and their teams. Understanding why 43% haven’t begun a 401(k) can help owners avoid missed opportunities early on. ### Why 43% of Small Businesses Haven’t Started a 401(k)—Fix That Before You Lose Out! Recent trends show increasing economic uncertainty among small business owners. Many remain unaware of how 401(k) plans benefit both business stability and employee retention. Limited time, complexity in setup, and perceived costs—along with misinformation—often keep founders from acting. The National Institute on Retirement Security reports that small businesses lag in retirement savings adoption, partly due to a lack of accessible guidance and fear of administrative burden.