What are the best alternatives to a standard 401k if my current small business employer does not offer any retirement plan?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the best alternatives to a standard 401k if my current small business employer does not offer any retirement plan?
3 real searches · 1 real-search pass
IRS 2026 IRA contribution limits traditional Roth IRA income limits 2026 officialGoogle ↗
OBSERVEDReason
IRS SEP IRA SIMPLE IRA 2026 contribution limits self employed employee employer plan officialGoogle ↗
OBSERVEDYes / no
Department of Labor small business retirement plans employer no plan IRA options 2026Google ↗
OBSERVEDComparison
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
IRS 2026 IRA contribution limits traditional Roth IRA income limits 2026 official Google ↗
IRS SEP IRA SIMPLE IRA 2026 contribution limits self employed employee employer plan official Google ↗
Department of Labor small business retirement plans employer no plan IRA options 2026 Google ↗
- Retirement topics - IRA contribution limits · irs.gov
- Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans · irs.gov
- Saving for retirement? IRAs are an option · irs.gov
- One Participant 401k Plans · irs.gov
- Simplified Employee Pension plan (SEP) · irs.gov
- SIMPLE IRA plan · irs.gov
- Payroll Deduction IRAs for Small Businesses · dol.gov
- Choosing a retirement plan: Plan options · irs.gov
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
- Explore Fidelity · fidelity.com
- Explore Schwab · schwab.com
- Explore Vanguard · investor.vanguard.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 2026 IRA contribution limits traditional Roth IRA income limits 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS SEP IRA SIMPLE IRA 2026 contribution limits self employed employee employer plan official OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
Department of Labor small business retirement plans employer no plan IRA options 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |