Selecting a retirement savings plan to offer at your small business can be intimidating. So much so that almost half of small businesses do not offer anything. There are seemingly endless options available, with choices like Payroll Deducted IRAs, SEP plans, SIMPLE Plans, and the better-known 401(k) plan. 401(k) plans are the option most often explored by businesses, but for some businesses it is not always the best fit. There are potentially less costly and less complicated options that would allow you to offer a retirement savings plan for employees at your business.