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The Ultimate Guide to Safe Harbor 401(k) Plans
Safe harbor 401(k) plans are popular with small businesses that struggle to pass IRS-mandated nondiscrimination testing. Our guide answers common questions.
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Pooled Employer 401(k) Plans (PEPs): Myth vs. Reality
Pooled Employer Plans (PEPs) can seem attractive at first blush. Ironically, their purported benefits can, in fact, harm 401(k) plan participants and fiduciaries.
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Pooled vs. Single-Employer 401(k) Plans - Are PEPs for You?
Supporters claim Pooled Employer Plans (PEPs) offer lower 401k fees and greater liability protection than single-employer plans. They rarely deliver either.
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401(k) vs SIMPLE IRA: Which is Right for Your Business?
401(k) or SIMPLE IRA? The kind of plan you pick could have an enormous impact on the finances of everyone involved in your business. Choose wisely.
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How MEPs Signal a Broken 401(k) Industry
Multiple Employer Plans (MEPs) are better for the 401(k) industry than retirement plan savers and sponsors. Small business owners should avoid them.
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TSP-like 401(k)s + Tax Credits = More Small Business Plans
Multiple Employers Plans (MEPs) are promoted as a way to expand small business retirement coverage. TSP-like 401ks and tax credits would do a better job
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Solo 401(k) Plans – Their Benefits to Self-Employed Workers
Solo - or individual - 401k plans cover business owners and their spouses only. They allow plan participants to make maximum deductible contributions – including “mega back door” Roth IRA contributions – up to the 415 limit.
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Why Multiple Employer 401(k) Plans are Obsolete Today
Supporters of Multiple Employer Plans (MEPs) claim these 401ks lower plan fees and fiduciary liability for small businesses. Neither claim is true.
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403(b) vs. 401(k) Plans for Non-Financial People
These two big differences are truly all you need to know when deciding between a 403(b) or 401(k) plan – their eligibility and testing requirements.
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How MEPs Complicate 401(k) Plan Terminations
Exiting a 401k plan can be an easy process, as long as you aren't part of an MEP. MEPs complicate the plan termination process and can cost you big time.
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