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Small Business Retirement Plan Options

Build a retirement benefit that supports your employees and your business goals. Muneris Benefits helps small employers compare practical plan options, understand employer responsibilities, and choose a structure that fits their workforce and budget. With personalized guidance and ongoing benefits support, you can move forward with greater clarity, confidence, and a stronger approach to attracting and retaining talent.

Small business owner discussing retirement plans with an adviser

Our Retirement Plan Options Services

Guidance and support for choosing, establishing, and managing employee retirement benefits that align with your business goals.

Plan Selection

Compare retirement plan structures based on your workforce, contribution goals, administrative capacity, and budget, with clear guidance to help you make an informed benefits decision.

Plan Design

Shape contribution approaches and employee participation features around your business priorities, helping create a retirement benefit that is meaningful, manageable, and aligned with your overall benefits strategy.

Ongoing Support

Receive responsive help with benefit questions, billing concerns, employee communications, and account coordination so your retirement offering remains easier to understand and manage over time.

Practical Plan Guidance

Retirement Benefits Built Around Your Business

A well-chosen retirement plan can help small businesses provide a valued benefit while supporting recruitment, retention, and owner savings goals. Muneris Benefits takes time to understand your workforce, budget, and benefits priorities, then helps you evaluate suitable options with clarity. You receive people-centered guidance, creative plan-design thinking, and continued account support to make retirement benefits a more confident business decision.

Adviser explaining retirement plan options to a small business owner
Trusted Adviser Support

Client Success Stories

See how employers benefit from responsive guidance and personalized employee benefits support.

"Muneris Benefits is amazing and has been incredibly helpful in navigating Medicare and Social Security enrollment as well as managing insurance needs during retirement for my entire family. In today's complex insurance landscape, it is critical to have someone you know you can trust and count on in getting the..."

Robert Woodruff
Robert Woodruff

"Excellent knowledge of what you need to do and need to know as a senior."

T.S. Jones
T.S. Jones
The Muneris Difference

Why Choose Muneris Benefits?

Experienced guidance and attentive support for every stage of your benefits decision.

Established Experience

Since 1990, Muneris Benefits has helped employers navigate complex benefit decisions with confidence.

Personalized Guidance

Our team listens to workforce needs and budget priorities before recommending practical benefit approaches.

Ongoing Support

Account managers provide help with benefit questions, billing, claims, and contract-related concerns.

Independent Perspective

As an independent agency, we bring technical expertise and client-focused plan design to discussions.

Meet Our Benefits Team

Knowledgeable professionals focused on clearer, more confident benefits decisions.

Portrait of Burman S. Clark, President of Muneris Benefits

Burman S. Clark

President

Burman S. Clark serves as President of Muneris Benefits, leading the company with a steadfast commitment to client service and community impact. Since the company's founding in 1990, Burman has guided Muneris Benefits to become a trusted insurance brokerage serving hundreds of employers, individuals, and families across Virginia and West Virginia. His leadership philosophy centers on solving client problems through creative plan design, technical expertise, and personalized service. Burman's vision has positioned Muneris Benefits as a people-centered agency that combines updated technology with deep insurance knowledge. Under his direction, the company has earned Better Business Bureau accreditation and recognition as a WiseChoice Healthcare Alliance Certified MEWA Advisor. Burman remains dedicated to maintaining trusted-adviser relationships and delivering excellent customer service throughout the region.

Portrait of Becky Holmes, Licensed Agent and Account Manager at Muneris Benefits

Becky Holmes

Licensed Agent and Account Manager

Becky Holmes is a Licensed Agent and Account Manager at Muneris Benefits, bringing extensive insurance expertise and client-focused service to families and businesses throughout Virginia. With her comprehensive licensing and deep knowledge of employee benefits and personal insurance products, Becky guides clients through complex coverage decisions with clarity and confidence. She specializes in helping employers design customized benefit packages while providing ongoing support for billing, claims, and contract questions. Becky's approach combines technical insurance knowledge with genuine care for each client's unique needs and budget constraints. Her commitment to building trusted-adviser relationships has made her an invaluable resource for clients navigating changing healthcare legislation and cost-management strategies. Becky takes pride in delivering the personalized, responsive service that has defined Muneris Benefits since 1990.

Portrait of Shana Sartin, Employee Benefits Account Manager at Muneris Benefits

Shana Sartin

Employee Benefits Account Manager

Shana Sartin serves as an Employee Benefits Account Manager at Muneris Benefits, dedicated to helping Virginia and West Virginia employers navigate the complexities of employee benefit programs. With specialized expertise in group health insurance, cost-containment strategies, and benefits administration, Shana works closely with HR managers and business owners to design and implement employee benefit solutions tailored to their workforce needs. She provides daily support for account management, answering benefits questions, resolving billing issues, and ensuring seamless communication between employers, employees, and insurance carriers. Shana's technical knowledge of federal and state compliance requirements helps clients stay current with changing regulations while managing healthcare costs effectively. Her commitment to solving client problems and delivering excellent customer service reflects the core values that have guided Muneris Benefits for over three decades.

Portrait of Kelly Pruett, Employee Benefits Account Manager at Muneris Benefits

Kelly Pruett

Employee Benefits Account Manager

Kelly Pruett is an Employee Benefits Account Manager at Muneris Benefits, providing expert guidance and personalized support to employers across Virginia and West Virginia. Kelly specializes in helping businesses develop comprehensive employee benefit strategies that balance workforce needs with budget realities. Her role encompasses daily account management, benefits consultation, claims assistance, and ongoing communication with clients and insurance carriers. With deep knowledge of creative plan design and cost-management techniques, Kelly helps employers navigate healthcare legislation changes while maintaining quality coverage for their teams. She is committed to building long-term, trusted-adviser relationships with every client she serves. Kelly's dedication to excellent customer service and practical problem-solving makes her an essential resource for businesses seeking reliable benefits expertise and responsive support from their local Roanoke and Narrows offices.

Portrait of Jessica Waldron, Customer Service team member at Muneris Benefits

Jessica Waldron

Customer Service

Jessica Waldron provides dedicated Customer Service support at Muneris Benefits, ensuring that clients receive prompt, helpful assistance with their insurance questions and concerns. As a frontline team member, Jessica handles a wide range of client inquiries, from benefits questions and billing issues to claims support and policy information. Her approachable, patient demeanor helps individuals, families, and business clients feel confident and informed throughout their insurance journey. Jessica's commitment to excellent customer service reflects Muneris Benefits' core value of putting people first. She works closely with the entire team to coordinate solutions and maintain the responsive, personalized communication that clients have come to expect since 1990. Whether assisting with Medicare transitions, Marketplace enrollment, or employer benefits administration, Jessica takes pride in making insurance simpler and more accessible for everyone.

Portrait of Ross Clark, Employee Benefits Account Manager at Muneris Benefits

Ross Clark

Employee Benefits Account Manager

Ross Clark serves as an Employee Benefits Account Manager at Muneris Benefits, bringing dedication and expertise to employers seeking comprehensive benefit solutions. Ross specializes in helping businesses design employee benefit packages that attract and retain quality talent while managing costs effectively. His role includes ongoing account management, benefits consultation, compliance guidance, and practical support with claims, billing, and contract issues. Ross works closely with HR managers and business owners across Virginia and West Virginia to navigate the evolving landscape of healthcare legislation and insurance options. His technical knowledge of major carriers and creative plan design helps clients access the coverage options best suited to their workforce and budget. Ross is committed to building trusted relationships and delivering the people-centered service that has defined Muneris Benefits for over three decades.

Portrait of Megan Herndon, Marketing Coordinator at Muneris Benefits

Megan Herndon

Marketing Coordinator

Megan Herndon serves as Marketing Coordinator at Muneris Benefits, supporting the company's outreach and communication efforts throughout Virginia and West Virginia. In her role, Megan develops and coordinates marketing initiatives that help employers, individuals, and families understand their insurance options and the services Muneris Benefits provides. She manages creative employee communications, educational content, and community engagement activities that reflect the company's commitment to excellent customer service and local presence. Megan works to ensure that Muneris Benefits' messaging clearly conveys the value of personalized insurance guidance, trusted-adviser relationships, and technical expertise. Her efforts support the company's reputation as a people-centered brokerage that has been simplifying insurance since 1990. Megan takes pride in helping clients discover how Muneris Benefits can meet their unique coverage needs with responsive, knowledgeable support.

Portrait of Lauren Hand, Licensed Agent at Muneris Benefits

Lauren hand

Licensed Agent

Lauren Hand is a Licensed Agent at Muneris Benefits, committed to helping individuals, families, and businesses find insurance coverage that fits their needs and budgets. With full licensing and access to all major carriers in Virginia, Lauren provides personalized guidance across employee benefits, personal insurance, Medicare options, and Marketplace solutions. She specializes in helping clients compare coverage options and understand the details of health, life, disability, long-term-care, and Medicare supplement insurance. Lauren's approach combines technical insurance expertise with genuine care for each client's unique situation. Whether assisting individuals transitioning to Medicare or helping employers navigate benefits decisions, Lauren builds trusted relationships through clear communication and responsive service. Her dedication to solving client problems and delivering excellent customer service reflects the values that have guided Muneris Benefits since 1990.

Portrait of Baylee Davis, Licensed Agent at Muneris Benefits

Baylee Davis

Licensed Agent

Baylee Davis serves as a Licensed Agent at Muneris Benefits, providing knowledgeable insurance guidance to clients across Virginia and West Virginia. With comprehensive licensing and access to all major carriers in Virginia, Baylee helps individuals, families, and businesses navigate their insurance options with confidence. She specializes in employee benefits, personal insurance, Medicare guidance, and Marketplace solutions, working closely with clients to understand their coverage needs and budget considerations. Baylee's commitment to building trusted-adviser relationships ensures that clients receive personalized service and ongoing support with benefits questions, claims, and policy management. Her technical expertise and people-centered approach reflect the core values that have defined Muneris Benefits for over 35 years. Whether helping Medicare beneficiaries choose the right plan or assisting employers with benefit design, Baylee takes pride in simplifying insurance and delivering excellent customer service.

Frequently Asked Questions

What is the best retirement plan for a small business?

The best plan depends on your business size, budget, employee demographics, owner savings goals, and desired administrative involvement. Common options include SEP IRAs, SIMPLE IRAs, traditional 401(k) plans, and safe harbor 401(k) plans. A thoughtful comparison should consider contribution flexibility, eligibility rules, potential employer matching, employee access, and ongoing responsibilities before selecting a plan.

How much does it cost to set up a 401(k) plan for a small business?

What retirement plans can a small business offer employees?

Can a business owner participate in the company retirement plan?

Do small businesses have to match employee 401(k) contributions?

How long does it take to set up a small business retirement plan?

What should employers consider when choosing a retirement plan provider?

How can a retirement plan help a small business retain employees?

Still Have Retirement Plan Questions?

Talk with our team about options for your business.

Certified And Trusted

Awards and Recognition

Better Business Bureau accreditation logo

Better Business Bureau

Accreditation reflecting commitment to trusted service.

WiseChoice Healthcare Alliance Certified MEWA Advisor badge

WiseChoice MEWA Advisor

Certified adviser recognition earned in 2025.

Certified Senior Advisor credential badge

Certified Senior Advisor

Credential supporting informed client guidance.

Explore Your Retirement Plan Options

Share your business goals, workforce needs, and questions. Our team will help you begin a clearer benefits conversation.

Contact Us Today

For immediate assistance, feel free to give us a direct call at +1 540-563-1005. You can also send us a quick email at burman@munerisbenefits.com.