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401(k) Plan Basics

What Happens to Your 401(k) When You Change Jobs?

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401(k) Plan Testing Explained: ADP, ACP, and Top-Heavy Rules

Employee Financial Education & Retirement Planning

How to Improve 401(k) Participation Rates Among Employees

Advanced 401(k) Strategies & Special Topics

401(k) Auto-Enrollment and Auto-Escalation: Should Your Plan Include Them?

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A 401(k) plan benefits you and your employees with attractive tax benefits and no-stress administration.
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How much is a 401(k) plan?

With attractive tax benefit, adding a 401(k) is more affordable than you may think.
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From retirement preparedness to employer matching costs, explore our calculators and learn the benefits of a 401(k) plan.
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Find out if your retirement account is on the right path.

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For 50+ measure the impact contributions can make.

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What's the cost of incentivizing employees?

Required Min Distribution

At age 73, be prepared to take an RMD.

Estimate Your 401(k) Plan Costs

The benefits of establishing a 401(k) far outweigh the cost. Discover how affordable a plan is today.
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By answering a few quick questions we can design your 401(k) plan.
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401(k) Compliance & Plan Administration

A 401(k) for Your Team, Not Your To-Do List

For employers, a 401(k) shouldn’t mean endless costs or compliance traps. It’s about giving employees a future—made painless, affordable, and flexible for businesses of any size.
Learn how Helm can guide you:
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Is a 401(k) Plan Right For My Business?

Employers have found offering a 401(k) plan boosts employee retention by 40%, while providing significant tax advantages.

Boost Morale & Loyalty

Show employees you’re invested in their future. A robust 401(k) fosters loyalty and can reduce turnover rates.

Enjoy Tax Advantages

‍Benefit from potential tax deductions and credits while helping employees save for retirement pre-tax.

Flexible For Every Business

Whether you're a small business or a growing enterprise, a 401(k) can work for your business

Traditional 401(k)Solo 401(k)
Why Work With a TPA?

Compliance Isn’t Automatic—We Keep Your Plan in Check

If your provider runs everything, who’s double-checking for mistakes? As an independent TPA, we cross-verify records to ensure your plan stays compliant and error-free.
Start Your PlanAbout Helm TPA
26
Non-discrimination Testing Complete
Your plan is well balanced for 2025.
25
IRS Form 5500 Filed
Great news! We filed your Form 5500.

Turn-key 401(k) Management

Relieve administrative burdens, ensure compliance, and deliver exceptional participant experiences with tailored solutions for your unique business needs.
Plan Design & Guidance

Craft retirement plans that align with your business objectives, offering tailored solutions to maximize tax benefits, employee participation, and compliance.

ERISA Compliance Oversight

Stay ahead of ERISA regulations with expert oversight, ensuring your plan is compliant, risk-mitigated, and structured to protect both your business and employees.

Form 5500 & Compliance Filings

Ensure seamless completion of essential filings, including Form 5500 and annual compliance audits, to keep your plan in good standing and avoid costly penalties.

Administrative Management

Offload the burden of plan administration, including contribution tracking, distributions, and day-to-day compliance, so you can focus on running your business.

Plan Monitoring & Optimization

Optimize plan performance with proactive reviews, adjustments for regulatory changes, and benchmarking to stay competitive and in compliance.

Non-Discrimination Testing

Handle complex compliance testing, including ADP/ACP, top-heavy, and coverage testing, to prevent IRS penalties and maintain a fair, compliant plan.

Plan Design & Guidance

Craft retirement plans that align with your business objectives, offering tailored solutions to maximize tax benefits, employee participation, and compliance.

ERISA Compliance Oversight

Stay ahead of ERISA regulations with expert oversight, ensuring your plan is compliant, risk-mitigated, and structured to protect both your business and employees.

Form 5500 & Compliance Filings

Ensure seamless completion of essential filings, including Form 5500 and annual compliance audits, to keep your plan in good standing and avoid costly penalties.

Administrative Management

Offload the burden of plan administration, including contribution tracking, distributions, and day-to-day compliance, so you can focus on running your business.

Plan Monitoring & Optimization

Optimize plan performance with proactive reviews, adjustments for regulatory changes, and benchmarking to stay competitive and in compliance.

Non-Discrimination Testing

Handle complex compliance testing, including ADP/ACP, top-heavy, and coverage testing, to prevent IRS penalties and maintain a fair, compliant plan.

Affordable Plan Management

Investment in Your Team and Business

Offering a 401(k) plan is a powerful tool for retention, tax savings, and long-term stability.
Pricing Details

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i
A W-2 employee meeting age and service requirements for plan eligibility.
i
Employees earning $155,000+ (as of 2024) or owning more than 5% of the company—classified as Highly Compensated Employees (HCEs).
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Monthly
Annual
Administration
$125
/month
+
$5
/month
Per Participant
2025
2026
401k Plan Cost
Annual Tax Credit
Net 401(k) Plan Cost
Employees with a 401(k) are 40% less likely to leave their job.
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$1200
20% Discount
/Year
Recordkeeping & Admin
+
$5
/Month
Per Participant
2025
2026
401k Plan Cost
Annual Tax Credit
Net 401(k) Plan Cost
Employees with a 401(k) are 40% less likely to leave their job.
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401(k) Library

401(k) Library

401(k) Plan Basics

Safe Harbor vs. Traditional 401(k) Plans: Choosing The Right Plan For Your Business

Safe Harbor plans simplify compliance by requiring mandatory contributions and immediate vesting, ideal for high contributions and low admin effort. Traditional 401(k) plans offer flexibility in contributions and vesting but come with compliance testing and greater administrative demands.

Continue to Article
401(k) Plan Basics

What Happens to Your 401(k) When You Change Jobs?

Employer Responsibilities & Compliance

401(k) Plan Testing Explained: ADP, ACP, and Top-Heavy Rules

Employee Financial Education & Retirement Planning

How to Improve 401(k) Participation Rates Among Employees

Advanced 401(k) Strategies & Special Topics

401(k) Auto-Enrollment and Auto-Escalation: Should Your Plan Include Them?

Let's Design Your Plan

Answer a few quick questions about your business. We'll build a preliminary design, then finallize it together.
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