My employee does not know his rights, is that my problem? Why should I take the time to explain to my employee how retirement plans will help him out in the future? These are typical responses from various employers on retirement plan forums. The answer is simple: why should you not? As an employer, your company will only grow if your company members grow. How did Microsoft and Google reach this level? By supporting their employees and giving them the best environment possible. Educating them about what your small business 401k package is a start. If you have other options make sure to tell them and remind them occasionally to check on their contributions. They will bring heaps of money with such incentives.