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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

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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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With attractive tax benefit, adding a 401(k) is more affordable than you may think.
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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?

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At age 73, be prepared to take an RMD.

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The benefits of establishing a 401(k) far outweigh the cost. Discover how affordable a plan is today.
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Are your retirement plans within reach?
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Catch Up Contributions

A tool for 50+ year olds to see the impact of catch up contributions
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401(k) Match Costs

Find the true cost of incentivizing employees with matching.
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Required Minimum Distribution (RMD)

Discover how much you must withdraw when age 73 and older.
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Retirement Readiness Score

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Catch Up Contributions

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401(k) Match Costs

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1. Guaranteed Income: Guaranteed income payments are subject to the claims-paying ability of the issuing insurance company.

2. Tax Consultation: Please consult your tax advisor regarding your individual circumstances.

IMPORTANT: The projections and other information provided by Helm TPA’s Planning & Guidance Center Retirement Analysis, Helm TPA Retirement Score, and Retirement Income Calculator are for illustrative purposes only. They are hypothetical in nature, do not reflect actual investment outcomes, and do not guarantee future results. Results may vary with each use and over time.

As with any financial decision, you are solely responsible for determining whether an investment in any security aligns with your investment objectives, risk tolerance, and overall financial situation. It’s important to review your decisions periodically to ensure they continue to meet your goals.

Recent legislative changes have affected the rules regarding defined contribution plans, defined benefit plans, individual retirement accounts, and 529 plans. Some of the information provided here may be based on rules in effect prior to these changes. Always consult your personal tax advisor before making any decisions about your retirement planning or withdrawals.

Why Offer a Traditional 401(k) Plan?

Turn-Key, Tax-Smart Retirement Plans for Employers

Invest in your team while making financially sound decisions for your business. With flexible contributions and valuable tax benefits, a 401(k) is a win-win for everyone.

Boost Morale & Retention

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

Potential Tax Breaks

Contributions may be tax-deductible for your business, keeping more capital for growth initiatives.

Flexibility For Your Budget

Choose a matching formula that aligns with your financial goals, or add profit-sharing when business is booming.

Positive Employer Brand

Stand out in competitive job markets by offering a benefit employees value—often as much as salary.

Does your state mandate a 401(k) plan?

Many states now mandate employers to offer a retirement savings plan. Find out if your business is impacted and how a 401(k) can help you stay compliant.
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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?

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