Real ChatGPT answer · index seed9Ka1zMCvyEAcompleteFinance and banking · retirement accountscomparison
As a small business owner in Ohio with three employees, is a traditional 401k better than a SIMPLE IRA for our specific situation, and what are the matching requirements?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
As a small business owner in Ohio with three employees, is a traditional 401k better than a SIMPLE IRA for our specific situation, and what are the matching requirements?
3 real searches · 1 real-search pass
IRS SIMPLE IRA employer contribution requirements 2% nonelective 3% match 2026 small businessGoogle ↗
OBSERVED
IRS 401k plan small business employer matching contributions nondiscrimination testing safe harbor 2026Google ↗
OBSERVED
IRS retirement plans startup tax credit small employer 3 employees 401k SIMPLE IRA 2026Google ↗
OBSERVED
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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
IRS SIMPLE IRA employer contribution requirements 2% nonelective 3% match 2026 small business Google ↗
IRS 401k plan small business employer matching contributions nondiscrimination testing safe harbor 2026 Google ↗
IRS retirement plans startup tax credit small employer 3 employees 401k SIMPLE IRA 2026 Google ↗
- SIMPLE IRA Plans for Small Businesses · dol.gov
- SIMPLE IRA plan · irs.gov
- 401(k) plan overview · irs.gov
- Retirement topics - SIMPLE IRA contribution limits · irs.gov
- Operating a 401(k) plan · irs.gov
- Publication 560 (2025), Retirement Plans for Small Business · irs.gov
- Retirement plans startup costs tax credit · irs.gov
- State Mandated Retirement Plans · paychex.com
- State retirement · guideline.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS SIMPLE IRA employer contribution requirements 2% nonelective 3% match 2026 small business OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS 401k plan small business employer matching contributions nondiscrimination testing safe harbor 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS retirement plans startup tax credit small employer 3 employees 401k SIMPLE IRA 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |