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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?

Simple, Turn-key Pricing

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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401(k) Calculators

Retirement Score

Find out if your retirement account is on the right path.

Catch Up Contributions

For 50+ measure the impact contributions can make.

401(k) Match Costs

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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Non-profit 401(k) and 403(b) plans

Retirement Plans That Strengthen Your Mission

Empower your team with a 403(b) plan tailored for nonprofits. Offer tax-advantaged savings, build loyalty, and show your commitment to those who support your mission—because their future matters too.

Design Your Plan

Increase Retention

Employees with a 401(k) plan have higher retention rate

Attract Top Talent

Build a strong team by offering a 401(k)

Why Offer a Traditional 401(k) Plan?

Retirement Plans That Inspire Loyalty and Trust

A well-structured retirement plan is a powerful tool for nonprofits to attract, retain, and inspire dedicated employees. By offering flexible savings options, fostering loyalty, and ensuring compliance is stress-free, you create a workplace that values both your mission and your team’s future.

Retain Passionate Talent

Show your staff they have a secure path to retirement, reducing turnover and ensuring institutional knowledge stays in-house.

Boost Morale & Commitment

An organization that invests in its employees’ futures fosters a deeper sense of loyalty and alignment with its mission.

Flexible Plan Options

Even if you can’t offer large matches, you can provide a stable framework for employees to save consistently—demonstrating you value their well-being.

Compliance & Simplicity

While nonprofits don’t rely on profit-sharing, a properly structured 401(k) still requires careful management. Our TPA services handle every detail, so you can stay mission-focused.

Expert Administration from Setup to Compliance

Relieve administrative burdens, ensure compliance, and deliver exceptional participant experiences with tailored solutions for your 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.

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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

Plan Calculator

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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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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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