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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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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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Safe Harbor 401(k) Plans

Simplify Compliance and Maximize Contributions

With guaranteed employer contributions that vest immediately, employers eliminate annual testing, letting owners and high earners maximize their savings with confidence.

Design Your Plan
Companies who can benefit from a Safe Harbor plan include:

  • Highly Compensated Employees

  • Family or Closely Held

  • Professional Services

  • Startups or Rapidly Growing

  • Low Employee Participation

  • Small to Mid-Sized Businesses

Is a Safe Harbor 401(k) plan for you?

Safe Harbor 401(k)s are ideal for business owners who want to contribute the IRS max without compliance testing or refund risks. They're excellent for companies with low employee participation, highly compensated employees, or those looking to offer competitive benefits with immediate vesting.

No Testing Headaches

Skip ADP and ACP testing. Safe Harbor plans meet compliance rules automatically—no penalties, no corrections, no stress.

Higher Contribution Limits

Owners and high earners can contribute the max without testing failures or refund risks. More savings, more flexibility.

Instant Vesting

Employer contributions vest immediately, boosting retention and ensuring employees see the full value of their benefits.

Safe Harbor 401(k) For Employers

Attract & Reward Key Talent While Staying Fully Compliant

A Safe Harbor 401(k) makes your company more attractive to top talent. By ensuring full employer contributions and skipping compliance testing, you offer a retirement plan that benefits both your business and your employees.

Automated Compliance

Meet nondiscrimination rules without annual guesswork—freeing up time for strategic tasks.

Owner & Executive Contributions

Highly compensated employees can maximize savings, making your company more appealing to top-tier talent.

Enhanced Employee Loyalty

Immediate vesting contributions demonstrate a strong commitment to your team’s financial future.

Competitive Differentiation

A robust 401(k) plan helps you stand out, especially in markets where employee retention is tough.

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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Safe Harbor 401(k) Employee Benefits

Employees Earn More Than a Paycheck

Retirement benefits should add real value. With immediate vesting and higher contribution limits, Safe Harbor 401(k)s help employees build their financial future while giving employers a powerful tool for retention.

Guaranteed Employer Contribution

Whether it’s a match or non-elective, employees know they’re receiving consistent support.

Vested from Day One

No waiting period for ownership over matching funds.

Financial Security

A plan designed to maximize retirement savings provides employees with peace of mind for their future.

Increased Participation

Clear benefits and immediate rewards encourage more employees to participate, strengthening their connection to the company.

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.

Get Started Today
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.
Get Started

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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