Know your pros and cons of business infrastructure. Good advise! Now this: Smart small-business owners know that providing employees with a high-quality retirement plan is a win-win for employers and employees. As the employer, any contributions you make on behalf of your workforce are tax-deductible. And your employees, of course, benefit from receiving help while saving for retirement. As you might expect, there are several types of retirement plans. The kind of plan you offer will depend on the size and composition of your workforce and the business you're in.