Login
Starting a 401(k)? A Short Initial Plan Year is Probably a Bad Idea
401(k) plans must define a plan year cycle for annual administration. Most new plans should avoid a short plan year for first year administration.
Read More
Design a 401(k) Plan Like a Pro in 6 Steps
Expert 401(k) plan design can help small business owners meet their plan goals for thousands less. The process can be completed in 30 minutes or less.
Read More
401(k) Plan Restatements - Save Fees With These Amendments
Most 401(k) plans must be 'restated' to reflect IRS Cycle 3 (or 'post-PPA') changes from August 1, 2020 to July 31, 2022. Here are some amendments to include.
Read More
The 5 Most Popular Small Business 401(k) Plan Features
Different 401(k) “types” (safe harbor, Roth, profit sharing, etc…) are in fact different contribution “features” that a plan can combine in numerous ways.
Read More
Safe Harbor 401(k) Plans: Answers To Common Questions
Safe harbor 401(k) plans are increasingly popular with small businesses. Our FAQ can help owners decide if one is right for their company.
Read More
Traditional Safe Harbor 401(k) Plan vs. QACA – How to Choose
There are two basic types of safe harbor 401(k) plans available today – traditional and QACA. Business owners should understand their differences.
Read More
Safe Harbor or Traditional 401(k) Plan – How to Decide
Safe harbor 401(k) plans are the most popular type of 401(k) used by small businesses today, but they are not the best fit for every small business.
Read More
Plan Participation Problems? No Problem
Sometimes it can be a struggle for plan sponsors to encourage participation in their company’s 401k plan. Plan design options as well as participant education can make a huge difference in participant interest and enthusiasm about saving.
Read More
401(k) Plan Design – Our Checklist Can Make the Process Simple
401(k) plan design for small businesses does not need to be difficult. Retirement plan eligibility, compensation, contributions, vesting, distributions and loans are the basics.
Read More
Reforming Roth provisions may be key to improving savings rates for Millennials. My proposal.
Millennials are not saving enough for retirement. The Roth 401k concept is outstanding and provides an excellent way to build long-term wealth with tax benefits
Read More