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The State IRA or a 401(k) - Which Program Is Better For My Business? | Register Now

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Colorado Small Business 401(k) Experts

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All We Do is 401(k)s

At Prosper Retirement Partners we leverage technology to make 401(k) plans easy to install and efficient to maintain. Our solutions are among the most affordable and intuitive in the marketplace for Colorado small businesses. By providing a flexible turn-key outsourced solution, our Plan-Clients can rest easy knowing their company's retirement plan is being managed by professional fiduciaries.

You Manage Your Business, Leave the 401(k) to Us.

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Why Prosper 401(k)?

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Establish your new 401(k) online in a matter of minutes - not weeks, then your employees enroll themselves online and your workplace retirement savings plan is retirement ready!

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Our Software as a Service (SaaS) platform streamlines the inner workings of the modern Profit Sharing/401(k) Plan for both the business owner(s) and their employees.

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Our technology platform can integrate with any payroll services provider or HCM platform in the marketplace, to ensure your data records remain synchronized.

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By leveraging technology to streamline and automate routine processes, we have created operational efficiencies that deliver cost savings which we pass along to our clients.

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All of our plans include a Plan Administrator and Investment Manager to help you along any step of the way.

Prosper will make the setup and implementation of your company’s qualified retirement plan simple and easy, so you can get back to running your business.

Start Your 401k
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Colorado Retirement Plan State Mandate

On July 14th 2020, Governor Jared Polis (D) signed into law the Colorado Secure Savings Program Act, which implemented a statewide retirement savings program for all private-sector employees in the state not currently enrolled in a retirement plan to participate in a state-facilitated automatic enrollment individual retirement account (IRA) program.

Learn more about the Colorado Secure Savings Program Act.

Here's something that business owners need to know: it's not necessary to adopt a State Auto-IRA plan. Instead, you can select a qualified retirement savings plan of your own. A 401(K) plan may be a more flexible and prosperous option for your small business.


What makes a 401k better than the State Auto-IRA?

A combination of factors make 401k plans a better solution for small business owners and their employees, but the most notable are:

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Standard Features PS 401(k) Auto-IRA
Flexible Eligibility Checkmark icon X icon
Employee Contributions Up to $23,000 Up to $7,000
  • After Tax Contributions
Checkmark icon Red checkmark icononly after tax
  • Pre-Tax Deferrals
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Employer Contributions Checkmark icon X icon
  • Profit Sharing
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  • Employee Matching
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Employee Vesting Checkmark icon X icon
SECURE Tax Credits Checkmark icon X icon

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Opting to establish your own retirement savings plan means having more control over factors like eligibility requirements, enrollment qualifications, and the schedule for contribution rates and limits. It's also possible to structure the withdrawal qualifications and restrictions to your liking.

Let’s talk about your options.

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Our 401(k)s and Pricing

Transparent. Reasonable. Competitive. Our fee-structures are designed to be simple & fair - consisting of a base monthly plan administration & compliance fee as well as a monthly recordkeeping charge for each employee participating in the plan.

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  Auto401k RecommendedSafe Harbor Complete
Base Fee $99 / month $149 / month $199 / month
Participant Fees Varies by headcount Varies by headcount Varies by headcount
Plan Structure PEP PEP Stand-Alone
Includes Plan Concierge Service Yes Yes Yes
Includes 3(16) Plan Administrator Yes Yes Optional
Includes 3(38) Investment Manager Yes Yes Optional
Best suited for... Businesses looking for a simple, cost-effective alternative to the State Auto-IRA. Businesses looking for a solution that maximizes contributions from Owners & Highly Compensated Employees (HCEs). Businesses looking for the most configurable solution that allows specialized Profit Sharing allocations.
Things to consider...

Consider excluding Highly Compensated Employees (HCEs) to avoid annual non-discrimination testing issues.

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Minimum annual employer contribution is required to all employees actively participating in the Plan.

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Safe Harbor Match election will enable Owners & HCEs to max-out their personal annual contributions.

Let’s Get Started

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Three Curated Investment Bundles to Choose From

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Our technology platform can integrate with any payroll services provider or HCM platform in the marketplace, to ensure your data records remain synchronized.

Average Expense Ratio:

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These Investment Options are a hybrid of our Expense Efficient & Performance Optimized investment options. The line-up consists of both active and passively managed mutual funds that enable participants to focus on the attributes most important to them.

Average Expense Ratio:

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These Investment Options have been selected to represent the top performing investment vehicles available in the marketplace.

Average Expense Ratio:

Contact us to get started.

If you are a Colorado small business looking to start a 401k or for alternatives to the Colorado Secure Savings Program simply fill out the form below and a 401(k) expert from our team will contact you.

Or, feel free to call us at 720-330-3153 or email us at

For details on Colorado Secure Savings click here.

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A Colorado Based 401(k) Company

The only 401(k) platform provider that is Colorado based and focused on the needs of the small business owner and their employees.

Headquartered in Greenwood Village, Colorado we are Coloradans, and we understand Colorado Small Businesses. As business owners ourselves, we understand the personal commitment and steadfast dedication it takes to build and operate a successful company.

Mark Gutrich
Mark Gutrich
Christopher Money
Christopher Money

Our founders Mark Gutrich and Christopher Money have spent their entire professional careers in the 401(k) retirement plan space. As a result, we have extraordinary respect for the time and money our client's have entrusted to us. We aspire to earn your trust and business!