401(k) & Retirement Plans for HVAC & Plumbing

Flat-fee, transparent small-business 401(k) recordkeeping recommended by cost-conscious owners.

Employee Fiduciary is a low-cost, transparent 401(k) record keeper and third-party administrator serving small businesses, including owner-operated HVAC and trades shops that want to avoid asset-based wrap fees.

Flat-fee 401(k) plans for solo HVAC operators and growing shops, with pricing that never scales with assets.

Ubiquity Retirement + Savings is a flat-fee small-business 401(k) provider offering Single(k) plans for owner-operator HVAC shops and safe harbor plans for growing contractors, with transparent pricing that does not scale with plan assets.

Flat-fee 401(k) built for small businesses

Guideline is an affordable, full-service 401(k) provider built for small businesses, with low flat-fee pricing and deep payroll integrations that automate administration for HVAC owners.

Full-service 401(k) for small and mid-sized businesses

Human Interest is a full-service 401(k) provider focused on small and mid-sized businesses, pairing automated administration and 3(16) fiduciary services with 500+ payroll integrations.

Brand-name SEP IRA, SIMPLE IRA, and 401(k) plans for small employers, popular with owner-operated HVAC shops.

Fidelity Small Business offers SEP IRAs, SIMPLE IRAs, Self-Employed 401(k)s, and the Fidelity Advantage 401(k) for small employers, with no account fees on the IRA-based plans and the brand trust that HVAC owner-operators often prefer.

The original prevailing-wage benefits platform for Davis-Bacon HVAC and mechanical contractors.

The Contractors Plan is a comprehensive retirement and benefits platform from Fringe Benefit Group purpose-built for government contractors working under the Davis-Bacon Act and Service Contract Act, including HVAC shops on prevailing-wage jobs.

ABC member-only MEP 401(k) with outsourced fiduciary oversight and transparent pricing.

The ABC Retirement & Savings Plan is a Multiple Employer Plan exclusive to Associated Builders and Contractors members, administered by Fiduciary Consulting Group, with transparent pricing and outsourced fiduciary oversight for HVAC and mechanical contractors.

AGC-sponsored Pooled Employer Plan recordkept by Empower for construction and mechanical contractors.

The AGC SELECT 401(k) Plan is a Pooled Employer Plan sponsored by Associated General Contractors chapters and recordkept by Empower, giving mechanical, HVAC, and construction employers institutional pricing and outsourced fiduciary oversight.

Oldest U.S. trade association for plumbing/heating/cooling contractors, with member-benefit retirement and group health programs.

PHCC (Plumbing-Heating-Cooling Contractors) is the oldest construction trade association in the United States, and its national and chapter member benefits routinely include access to Multi-Employer 401(k) programs and discounted group health benefits for HVAC and plumbing contractors.

Bundled 401(k), payroll, and HR for small and mid-sized businesses

Paychex Retirement Services is one of the largest 401(k) recordkeepers in the US, offering traditional, Safe Harbor, SIMPLE, and Pooled Employer Plan options tightly integrated with Paychex payroll.

Integrated 401(k) and payroll for businesses of every size

ADP Retirement Services offers scalable 401(k), Starter-k, SIMPLE, and SEP IRA plans with SMARTSync payroll integration, designed for businesses from 0-4 employees up through the enterprise.