As far as 401k plans go, self-employed individual running their own 401k often have an advantage over employees who have to take whatever 401k plan is offered b

As far as 401k plans go, self-employed individual running their own 401k often have an advantage over employees who have to take whatever 401k plan is offered by their employer. The downside of not having any other members to share administrative overhead costs is more than dwarfed by the ability to ruthlessly optimize for favorable tax treatment on the combined "employee" and "employer" parts without regards to which entity gets what.