Contributions the employee makes to the plan are taxed when deducted from the paycheck; therefore, are not taxed when the shares are redeemed and withdrawn. A Charles Schwab SEP-IRA is one of the easiest small business retirement plans to set up and maintain.Learn more about SEP-IRA possible tax benefits today! A SIMPLE IRA plan provides you and your employees with an easy way to contribute toward retirement. A SIMPLE IRA plan provides you and your employees with an easy way to contribute toward retirement. Employee benefits list includes insurance, retirement, paid time off, and health and wellness programs. Learn what plans allow eligible employees to do. What contributions are available? You can contribute up until the April 15th tax filing deadline for the prior year. Or, direct them to the "Get started – Employees" section below, which will provide directions to enroll online.