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Small businesses are generally concerned with three things when it comes to a retirement plan. Number one, cost--they perceive that they cant afford it. Number two, they perceive that its fraught with risk--fiduciary risk in particular. And three, administrative burden. Theyre busy running their business, theyre the chief cook and the bottle washer as they say. Theyre doing everything. They dont have time. What they fail to realize is that its a great way to attract and retain talent. And then once you put it in those terms and how it helps the profitability of their business and that youre doing a great thing--getting people to a funded retirement-- they start to understand the importance of it. But for myself, I wanted to take away those barriers of costs, risk and administrative burden and really put them on a plateau or playing field that was even with their larger counterparts.
