Real ChatGPT answer · index seed7c4Kjoe6mIkcompleteFinance and banking · retirement accountscommercial
Looking for the best small business retirement plan that offers high employer contribution limits without mandatory matching since my revenue fluctuates.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Looking for the best small business retirement plan that offers high employer contribution limits without mandatory matching since my revenue fluctuates.
3 real searches · 1 real-search pass
2026 IRS retirement plan contribution limits 401(k) defined contribution 2026 SEP IRA employer contribution limitGoogle ↗
OBSERVEDReason
IRS SEP IRA employer contributions discretionary no annual contribution requirement employees same percentage 2026Google ↗
OBSERVEDYes / no
IRS one participant 401k employer profit sharing contributions discretionary eligible employeesGoogle ↗
OBSERVEDOther / navigational
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 IRS retirement plan contribution limits 401(k) defined contribution 2026 SEP IRA employer contribution limit Google ↗
IRS SEP IRA employer contributions discretionary no annual contribution requirement employees same percentage 2026 Google ↗
IRS one participant 401k employer profit sharing contributions discretionary eligible employees Google ↗
- Retirement topics - 401(k) and profit-sharing plan contribution limits · irs.gov
- COLA increases for dollar limitations on benefits and contributions · irs.gov
- Choosing a Retirement Solution for Your Small Business · dol.gov
- One Participant 401k Plans · irs.gov
- Simplified Employee Pension plan (SEP) · irs.gov
- SEP Retirement Plans for Small Businesses · dol.gov
- SEP Retirement Plans For Small Businesses · dol.gov
- Choosing a retirement plan: Profit sharing plan · irs.gov
- Publication 560 (2025), Retirement Plans for Small Business · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 IRS retirement plan contribution limits 401(k) defined contribution 2026 SEP IRA employer contribution limit OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS SEP IRA employer contributions discretionary no annual contribution requirement employees same percentage 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
IRS one participant 401k employer profit sharing contributions discretionary eligible employees OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |