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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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401(k) Calculators

From retirement preparedness to employer matching costs, explore our calculators and learn the benefits of a 401(k) plan.
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Resources

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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Traditional 401(k) Plans

A 401(k) Plan That Fits Your Business—and Your Budget

Empower your team with a retirement plan that stands the test of time. Enjoy flexible contributions, valuable tax benefits, and the confidence of expert TPA support tailored to your business.

Design My 401(k)

  • Turn-Key Plan Management

  • Payroll Integration

  • Reliable & Trusted

  • Experienced Support

What Sets a Traditional 401(k) Apart?

A Traditional 401(k) offers flexibility for employers and tax advantages for employees. Unlike Safe Harbor plans, employer contributions are optional, and businesses can structure matching or profit-sharing however they choose. However, annual nondiscrimination testing is required to ensure fair participation across income levels.

Flexible Employer Contributions

Match up to a percentage or add profit-sharing on your terms.

Tax-Deferred Growth

Contributions grow tax-free until funds are withdrawn.

Proven Employee Favorite

401(k)s remain a top factor in job satisfaction and retention.

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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Employee Benefits

Help Your Employees Build a Stronger Financial Future

Give your team the tools to save smarter with pre-tax contributions, employer matches, and diverse investment options—all designed to make retirement planning easy.

Pre-Tax Savings

Contributions reduce taxable income and can accelerate retirement account growth.

Employer Contributions

Whether it’s matching or profit-sharing, employees see an immediate boost to their savings.

Wide Investment Options

Give employees a diversified menu—stocks, bonds, funds—so they can tailor retirement strategies.

Convenient Payroll Deductions

Automated deposits make saving simple and consistent.

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.
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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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