Retirement Plan Options

Wondering what type of retirement plan (401(k), SIMPLE-IRA, or SEP) is right for your small business? Our guide can help you decide.

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401(k) Tax Benefits

Interested in reducing your taxes? Of course you are! Find out how sponsoring a 401(k) plan for your employees can help.

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Fiduciary Responsibility

Small business 401(k) plan sponsors have a fiduciary responsibility to act in the best interest of their plan participants or risk personal liability. By learning some 401(k) fiduciary basics, it’s simple to meet this responsibility and stay out of trouble. 

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401(k) Fees

Keeping 401(k) fees reasonable is a primary fiduciary responsibility for a simple reason - excessive 401(k) fees lower participant investment returns needlessly. When you understand some 401(k) fee basics, avoiding excessive fees is easy.

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401(k) Plan Design

There is no such thing as a one-size-fits-all 401(k) plan. Learn some 401(k) plan design basics to meet your plan goals at the lowest possible annual expense.

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Controlled Groups

The IRS controlled group rules treat 2 or more companies with similar ownership as one company for 401(k) purposes. If you have an ownership interest in multiple companies, you risk plan disqualification by not confirming your 401(k) plan meets these rules.

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Safe Harbor 401(k) Plans

Safe harbor 401(k) plans are the most popular type of 401(k) used by small businesses today. They allow an employer to automatically pass annual nondiscrimination testing by making an eligible contribution to plan participants. For many employers, that trade-off is well worth the cost.

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Roth 401(k) Deferrals

66% of 401(k) plans permit their participants to make these after-tax contributions to their account. Not sure if Roth deferrals are right for your plan? Our FAQ can help.

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401(k) Investments

Picking investments for your 401(k) plan can easily seem overwhelming due to a glut of available funds and no shortage of conflicted investment advice. We offer two simple choices for meeting this important fiduciary responsibility.

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401(k) Administration

Each year, a myriad of administration tasks must be completed to keep a 401(k) plan in compliance with ERISA. These tasks can easily seem overwhelming when considered generally. However, a checklist can make them easily manageable.

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Form 5500

This annual report discloses 401(k) plan information to the Federal government and plan participants. You want to understand its filing requirements to avoid penalties.

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