Choosing the right retirement plan for your non-profit

Providing the right retirement plan for your non-profit organization can help your employees achieve the retirement they deserve.

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Types of Non-Profit Plans

There are three main types of retirement plan options for non-profits.

401(k) Plan

A 401(k) plan is a retirement plan that can be utilized by non-profits and for-profit organizations. It is a flexible plan type which make it a popular choice among nonprofits.

403(b) Plan

A 403(b) plan is available to non-governmental nonprofit entities. This plan type is exempt from certain compliance testing and has fewer investment options than a 401(k).


A Non-Qualified Deferred Compensation (NQDC) plan can be added to a 401(k) or 403(b) plan in order to provide additional benefits to key employees. NQDC plans are popular with non-profit organizations due to their tax exempt status.

Comparison Chart

Compare the differences between a 401(k) Plan and a 403(b) Plan.

Downloadable Guide

Non-Profit Plan Selection Guide

Use this guide to learn how to select the best retirement plan for your non-profit. This guide includes common pitfalls to avoid, what to look for in a plan, and how to choose the best providers for your plan.

Must-See 2-Minute Video

Frequently Asked Questions

Watch this short video from a Fisher Retirement Plan Specialist to learn how to choose the best retirement plan for your non-profit.

Free Provider Evaluation Checklist

Top Questions to Ask When Evaluating Non-Profit Plan Providers

Use this checklist to know which questions to ask when evaluating your non-profit retirement plan providers.

Schedule your free consultation!

One of our 401(k) business specialists would love to talk to you about your company's retirement plan needs.

Additional Resources

  • What is a 403(b)?

    The 403(b) plan is a special type of retirement plan for qualifying non-profit employers. Learn how they compare to a traditional 401(k).

  • 401(k) vs 403(b)

    Read this article to get answers to frequently asked questions around the differences between 403(b) and 401(k) plans for non-profits.

  • 403(b) Plan Solutions

    There are two main types of 403(b) solutions; annuity based or non-annuity based. Download the chart to compare.

  • Plan Participant Case Study

    See how a participant can benefit when an employer moves from an annuity based to a non-annuity based 403(b) solution.

  • Is Your 403(b) Costing Your Employees Big?

    Watch this short video from a non-profit plan retirement specialist to learn more about the difference between non-annuity and annuity 403(b) plans.

  • 403(b) Guide

    Download our free guide to learn how your 403(b) could be costing participants higher fees.

Learn how to select the best retirement plan for your non-profit.
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