I am not sure if what you are looking for even exists. One part of your question seems that you are looking to start a home based business and the other seems that you are looking for a job with benefits. Please realize that there are legitimate companies out there in both categories. You just have to figure out which of the to you are truly looking for. A work from home business would not offer a 401K plan unless you create it for your business. Most work from home jobs do not offer this either. Unless you are already an employee and decide to work from home as a telecommuter.

Best of luck on deciding which type of financial resource you are seeking.