A 401(k) that lowers your tax bill and builds your retirement.
Unify CPA and 401GO help Colorado business owners claim federal startup credits, deduct plan costs, and save more for themselves.
Three ways a 401(k) pays you back.
A retirement plan is a benefit for your team and one of the more effective tax moves available to a profitable business.
Startup tax credits
New plans for employers with 100 or fewer employees can earn up to $16,500 over three years.
Deductible costs and contributions
Employer contributions and the costs of running the plan generally reduce taxable profit.
Owner retirement savings
Profit sharing, and for profitable businesses a cash balance plan, let owners put away far more than a deferral alone.
A new plan can offset its own startup costs.
- Admin credit: up to $5,000 per year for the first three years. It is $250 per non-highly-compensated employee, and 50% for employers with 51–100 employees.
- Auto-enrollment credit: $500 per year for three years when the plan enrolls employees automatically.
- Employer contribution credit: up to $1,000 per eligible employee, on a sliding scale over five years.
- 401GO completes IRS Form 8881. We confirm eligibility and make sure the credit lands on your return.
Eligibility varies. We confirm yours before you sign.
- Startup credit
- Up to 100% of plan admin costs, max $5,000/yr
- Auto-enrollment credit
- $500/yr for three years
Where the CPA comes in
A plan provider can set up the plan. Your CPA decides how it fits your return.
- Confirm credit eligibility and claim it on Form 8881
- Time contributions and deductions around your tax year
- Model profit sharing and cash balance against your income
- Coordinate with entity structure and owner compensation
Why 401GO
Full-service recordkeeping, administration, and fiduciary support, so the plan does not become a second job.
- Fees 30–40% lower than many legacy providers
- Pays your prior provider's termination fees if you switch
- Only isolved retirement partner with direct single sign-on
- Compliance testing and Form 5500 handled for you
Service figures reported by 401GO.
Common questions.
Unify CPA is a referral partner of 401GO and may be compensated when a client establishes a plan with 401GO. Unify may also be compensated as an advisor to the plan; all fees are disclosed before you sign. 401GO provides recordkeeping, plan administration, and fiduciary services; plan assets are held by Matrix Trust Company. Fee comparisons and service figures are as reported by 401GO. Contribution limits shown are 2026 limits. Tax credit information is general, not tax advice.
See what a 401(k) would save you in taxes
Book a short call. We will estimate your credits and deductions before you decide anything.