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As an employer, how do I start a 401k or traditional IRA plan?
OK, so first of all, employers don't set up IRAs.  IRA stands for Individual Retirement Account.  You can set up a personal IRA for yourself, but not for employees.  If that is what you're after, then just set one up for yourself - no special rules there for self employment. As far as setting up a 401(k), I'd suggest checking with benefits management companies.  If you're small, you probably don't have an HR department, so managing a 401(k) yourself would likely be overly burdensome.  Outsourcing this to a company which handles HR for you (maybe running payroll, etc. also), would be the best option.  Barring that, I'd try calling a large financial institution (Schwab, Fidelity, etc.) for clear guidance.