For-profit companies offer 401(k) plans to eligible employees, who can choose to invest in either traditional 401(k)s or Roth 401(k)s. Employees of public schools, nonprofit, and government organizations, on the other hand, don't have access to 401(k)s. Instead, they can tap into 403(b) plans in both traditional and Roth options. 401(k)s usually offer a wider range of investments and sometimes higher quality investment options. In addition, for-profit employers usually offer to match their employees' investments, whereas nonprofit employers may not offer a company match at all.