The Future of Your Retirement Plan

Is your company’s retirement plan expensive, confusing, or too time-consuming?

At Wealth|KC, we help Kansas City businesses take the headache out of offering a 401(k)—with modern, fully digital plans designed to save you time, reduce costs, and support your employees’ financial futures.

Our platform features low, transparent fees—no hidden charges or confusing revenue-sharing—so you and your team always know exactly what you’re paying. With streamlined onboarding, automated payroll integration, and smart compliance tools, year-end testing takes less than 15 minutes. No spreadsheets. No back-and-forth emails.

We go beyond the basics by offering built-in education and personal guidance for your employees, helping them make confident retirement decisions—so you can offer a meaningful benefit without the heavy lifting!

You get the plan and pricing you need:

All-in-One 401(k) Solution
Get a fully packaged retirement plan that’s ready to go—saving you time, effort, and hassle.

Payroll That Works With Your System
We integrate with leading payroll providers to automatically handle contributions, reducing manual work and errors.

Clear, Competitive Pricing
No surprises—just straightforward pricing you can count on.

Customizable Plan Options
Build a plan that fits your business and your team, with flexible features and contribution options.

Personalized Support
Work with a dedicated service team that’s here to help you and your employees every step of the way.

While your employees get the experience they deserve:

Easy Online Sign-Up
Employees can enroll in the plan quickly and easily through a completely digital process—no paperwork needed.

Simple, Modern Interface
The platform is designed to be intuitive and user-friendly, so both you and your team can navigate it with ease.

Straightforward Investment Options
Participants get clear, streamlined choices for investing, making it easy to select what's right for them.

Financial Education for Your Employees
We provide educational tools and resources to help your team make smart decisions about their financial future.

Cost-Effective for You and Your Team
Our plans are built to keep fees low—helping you save money while offering a competitive benefit.

A Plan Right For You

A Safe Harbor 401(k) requires the employer to provide matching or non-elective contributions and are immediately 100% vested.
In return, you can maximize contributions to their own accounts while reducing some limitations associated with nondiscrimination testing.
Non-Safe harbor 401(k)s are popular with small businesses because they do not require a company to make mandatory employer contributions.
However, Non-Safe Harbor plans will require annual compliance testing including ADP/ACP to ensure they are not top-heavy (meaning that compensating some employees more than others).
A Profit Sharing 401(k) is another type of defined contribution plan in which the company has discretion to determine when and how much the company pays into the plan.
A Profit-Sharing Plan is a popular incentive for retaining employees and contributions may be subject to a vesting schedule of either 100% vested, three- year cliff or a 6-year graded vesting schedule.
A 403(b) plan, sometimes referred to as a "tax-sheltered annuity", is a qualified retirement plan available to public schools, tax exempt organizations, and certain religious organizations.
In a Payroll Deduction IRA, an employee establishes either a Traditional or Roth IRA with a financial institution and then authorizes the payroll deduction for the IRA.
The employer's responsibility is to transmit the employee's authorized deduction to the financial institution.
Some States have enacted or implemented auto-IRA programs and many more are considering doing so in the not-so-distant future.

Helping You Deliver a Better & Bundled 401(k) Experience

Third Party Administration

Manage day-to-day operations of the plan, including the processing of employee contributions and distributions to their 401(k) accounts, ongoing oversight of plan activity, and dedicated support for both plan participants and plan sponsors.

Flexible Safe Harbor Options

Avoid compliance headaches with our flexible Safe Harbor options, designed to automatically satisfy IRS nondiscrimination requirements—working with a bundled provider who handles administration and recordkeeping simplifies the process.

Recordkeeping

We offer recordkeeping services to accurately maintain detailed records of all plan activities—including contributions, distributions, and investment earnings—organized by source, participant, and investment vehicle.

Dedicated Service Team

We help take the questions, issues, and tasks off your plate with a dedicated service team focused on your company’s 401(k) plan. This ensures faster response times, guidance, and a more seamless experience for both plan sponsors and participants.

3(16) Fiduciary Administration

We take on the legal responsibility for administering the 401(k) plan, helping ensure compliance with IRS and DOL regulations. This reduces the employer’s liability and streamlines plan management through experienced oversight.

Important Plan Features

📌 Company match & profit sharing
📌 Optional staff auto enrollment
📌 Eligibility standards
📌 Optional vesting schedule

Payroll can be one of the trickiest parts of managing a retirement plan—but it doesn’t have to be. Thanks to our connection with certain payroll providers, we can automatically handle your retirement contributions for you.

That means less work and fewer headaches.

Check out our list of payroll partners below ⬇️.