Solutions for every organization

Transform your practice with comprehensive retirement products that help drive innovation and administrative simplicity at a best overall value.¹

Empower Ready Select™

Empower Ready Select makes it easy for small businesses to offer their employees a 401(k) plan for the first time or satisfy a state mandate. This streamlined offer includes:

Affordable pricing.
Potential startup tax credits.
Morningstar 3(38) fiduciary coverage.
One investment lineup with choice of target date funds.
Virtual participant enrollment meeting.
Simple plan administration by a premier third-party administrator (TPA).

State-mandated retirement plan alternative

Get ahead of state-mandated plan requirements by offering a 401(k) plan from an industry leader with a modern plan administration system and an award-winning participant experience.

Affordable pricing for startup plans*

Paid by the employer	Paid by the employee
$1,000 annual plan fee	0.25% annual fee on account balance*
$25 annual participant fee

*Additional TPA fees will apply for plan design and compliance services.

For a comprehensive pricing quote visit the Empower Proposal System.

Ready Select highlights

Who is eligible?	Full and part-time employees
Employee contributions	Pre-tax and Roth included
Employer contributions	Company match and non-elective contributions available
Withdrawals	In-service withdrawal and loan available
TPA partners	TPAs that are part of the Empower Ready Select program (as of March 31, 2025).

Existing 401(k) plans (up to $1M in assets) may be eligible for Ready Select if the current plan design fits this simple solution. Access our Empower Ready Select fact sheet for more plan details.

Empower Ready Select

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Plan management expertise

Empower has partnered with some of the best third-party administrators (TPAs) in the industry that have extensive experience managing Empower retirement plans.

With Empower Ready Select, choose from one of several premier national or regional TPAs that are part of the Empower Ready Select program (as of March 31, 2025).

Instantly generate a proposal today

Empower Ready Select is available exclusively through the Empower Proposal System (EPS).

Take advantage of SECURE 2.0 tax credits, and address state mandates by offering an Empower 401(k) plan.

1 2023 PLANADVISER Retirement Plan Adviser Survey, as of February 2024.

FOR FINANCIAL PROFESSIONAL USE ONLY.

Online advice and the managed account service are part of the Empower Advisory Services suite of services offered by Empower Advisory Group, LLC, a registered investment adviser.

EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC.

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Advisory services are provided for a fee by Empower Advisory Group, LLC (EAG). EAG is a registered investment adviser with the Securities and Exchange Commission (SEC) and subsidiary of Empower Annuity Insurance Company of America. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not indicative of future returns. You may lose money. All visuals are illustrative only. Actors are not EAG clients. EAG Form CRS

Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency

Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC.

EFSI Form CRS | Reg BI Disclosure | SEC Rule 605-606