The smart alternative to a 401k

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The PRP is the easy, most cost-effective way for your business to offer a retirement plan.

PRPs work like a 401k but without the high cost, regulatory complexity, and fiduciary burden.

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Key benefits

Designed for ease and simplicity.

The PRP by Icon automates plan management for both you and your employees. Welcome to worry-free retirement.


Our all-digital plan delivers cost-efficient retirement benefits and automated plan management.

No sponsorship burden

No federal testing and no fiduciary risks, eliminating legal concerns.

Security and protection

Bank-level security with SIPC-insured employee accounts.


Low-cost investing for your employees, Icon is a fiduciary and SEC registered investment advisor.

Game changer

A smart solution for your workforce.

The PRP by Icon isn't just a plan; it's a game-changer in how retirement benefits are delivered. Designed for any size business and every type of worker (W2, 1099, full-time, part-time, hourly), our plan offers:

Personalized Investing

As a fiduciary and SEC registered investment advisor, we offer tailored investment strategies that meet the unique needs of each employee.

Unmatched Portability

The first of its kind - PRPs never require a rollover at job change, saving you and your employees the hassle of rollovers.

Works with payroll.

We’ve teamed up with top payroll providers to make setting up and managing your PRP seamless and automatic.

See how it works.

We make it easy for businesses to offer a retirement plan, whether you have a team of 5 or 5,000.

Talk to a retirement specialist.
    • How does Icon's pricing work for companies of different sizes?

      Icon’s PRPs are scalable and inclusive, serving startups and large enterprises alike. We offer a flat, predictable monthly fee based on your company size, ensuring you get exactly what you need without any surprises.

    • What does the monthly fee cover? Are there any hidden costs?

      Our flat monthly pricing is all-encompassing, covering all operational costs. There is no per employee charge for employers, no hidden fees, and no transaction fees.. Employers pay one straightforward fee.

    • How can Icon offer such competitive pricing?

      We harness the power of technology to streamline administrative processes, significantly reducing costs. Through automation, we minimize expenses and pass those savings directly to you.

    • Will the PRP integrate seamlessly with my current payroll system?

      Yes, Icon's platform is designed for compatibility. It connects seamlessly to your existing bank and payroll system, simplifying plan administration.

    • Are employee contributions to the PRP tax-deferred?

      Yes, employees can make tax-deferred contributions to a traditional IRA or opt for a Roth IRA where qualified distributions may be tax-free.

    • What investments are available?

      Icon uses low-cost ETFs from BlackRock and Vanguard, two of the world’s most respected and well-known asset managers. Our portfolios are constructed using ETFs with average fund fees of 0.07%, which is significantly less than the industry average of 1.13%*. Icon receives no sales commissions or other fees associated with the selection of funds.

      *2019, 401k Book of Averages


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This website is operated and maintained by The Icon Savings Corporation (together with its subsidiaries and affiliates, “Icon”). By using this website, you accept our Privacy Policy.

Icon Financial Services LLC (“Icon Financial”) is an SEC registered investment advisor. Investment advisory services are provided by Icon Financial Services LLC (“Icon Financial”) through its online platform and are available only to residents of the United States over 18 years old. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections are hypothetical in nature, and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website is for informational purposes only and does not constitute a complete description of Icon’s investment advisory services. Certain investments are not suitable for all investors. Icon reserves the right to restrict or revoke any and all offers at any time.

Before opening an investment advisory account, you should review Icon Financials (Form ADV 2 Brochure) which includes a description of certain risks, conflicts, and fees associated with participating in the Icon platform. Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC, provides custody and clearing services for Icon Financial.

Icon and its affiliates do not provide tax or legal advice.

Email: [email protected]

Tel: 503-917-0590

Information provided by Icon Customer Support is for informational and general educational purposes only and is not investment or financial advice.