Simplify 401(k) Compliance

Safe Harbor 401(k) Plans for Small Businesses

Ensure your business stays compliant and avoid nondiscrimination testing with a safe harbor 401(k) plan.

What is Safe Harbor Plan?

Turnkey Services

All the Bells and Whistles Without the Extra Fees

Benefit from all the perks, none of the hidden fees. Our services combine personal care and expert guidance with technology from industry leaders, all for a straightforward and honest price.

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Dedicated Relationship Manager

Get a single point of contact who understands your business and provides fast, personalized support.

Hassle-Free Administration

We handle compliance, reporting, and day-to-day plan management, so you can focus on growing your business.

Reliable Recordkeeping

Our recordkeeping software from FIS Global ensures accuracy, automation, and a seamless online experience for you and your employees.

Secure Asset Custody

Your plan’s assets are safeguarded by Matrix Trust Company, providing expert fund management and security.

Custom Plan Design

We tailor plans to fit your business goals and employees’ needs, ensuring a retirement solution that works for everyone.

Broad Investment Choices

Access nearly 30,000 share classes from 377 fund families, including low-cost options like Vanguard, index funds, and ETFs.

Simple and Affordable Safe Harbor 401(k) Plans

Starting at

$1,500 annually

Annual fee covers up to 30 eligible employees

Custody fee 0.08% of plan assets

Includes all record-keeping, third-party administration, and custody services

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Payroll Integrations

We integrate with top payroll providers to automate contribution processing, eliminating manual data entry and reducing errors. Need help getting started? Our team is here to guide you every step of the way.

What is a Safe Harbor 401(k) Plan?

Safe harbor 401(k) plans easily comply with nondiscrimination tests and offer flexible contribution options for employers and employees.

Employer Requirements

A 401(k) plan must make a qualifying matching or nonelective contribution to participants to achieve safe harbor status. The contribution requirement depends upon the safe harbor plan’s classic or QACA status.

Understand Requirements

Maximize Contributions

No ADP/ACP testing means no risk of contribution refunds to correct a failed test – which guarantees owners can defer up to the annual limit ($23,500 for 2025 / $31,000 for catchup-eligible owners).

Explore Benefits

Participant Disclosure

A participant disclosure requirement applies to some safe harbor 401(k) plans. These plans must distribute a safe harbor notice to eligible employees annually.

Review Disclosures

plan options

Customizable Options for Your Safe Harbor Plan

Create a retirement plan tailored to your unique business needs.

Profit Sharing Contributions

Roth Contributions

Participant Loans

Self-Directed Brokerage Accounts

Exchange Traded Funds (ETFs)

Estimate Your Savings

Tax Credits for Your Business

If you’re looking to start a new safe harbor 401(k) plan, use our free tax savings calculator to estimate how much a plan will cost you annually. For more details on tax credits read our guide .

How many employees do you have?

Include business owner(s)

Tax credits are limited to 100 or less employees

How many of your employees are HCEs?

You cannot have more HCEs than employees

Will you make an employer contribution?

Will your plan offer automatic enrollment?

Number of employees making over $100,000

Include business owner(s) and HCEs

Must be less than the number of total employees.

Estimated Annual Contribution

Need help?

Year 1

Year 2

Year 3

Year 4

Year 5

401(k) Plan Cost

$2,000

$1,500

Employee Fiduciary Fee

$1,500

One-Time Startup Fee

$500

Employer Contribution

Tax Credits

$3,750

Startup Credit

$3,750

Auto Enrollment Credit

$500

Employer Contribution Credit

Cost After Credits

$1,500

401(k) Plan Cost

Tax Credits

$500

Total Estimated Savings:

$5,000

Ready to get started?

Get a Quote

Frequently Asked Questions

Services

Investments

Fees

Plan Setup

Select a Category

Have Safe Harbor 401(k) Plan Questions? We Have Answers

A Guide to Safe Harbor 401(k) Plans for Small Businesses - Including SECURE 2.0 Changes

Safe harbor 401(k) plans are popular with small businesses who struggle to pass IRS-mandated nondiscrimination testing. Our guide answers common questions.

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.

Small Business 401(k) Tax Credits – SECURE 2.0 Updates

Discover three small business 401(k) tax credits that can help lower the out-of-pocket cost of starting a small business retirement plan. Plus, read the latest changes due to SECURE 2.0.

Safe Harbor 401(k) Plans for Small Businesses

Turnkey Services

All the Bells and Whistles Without the Extra Fees

Dedicated Relationship Manager

Hassle-Free Administration

Reliable Recordkeeping

Secure Asset Custody

Custom Plan Design

Broad Investment Choices

Simple and Affordable Safe Harbor 401(k) Plans

Starting at

$1,500 annually

What Customers Say About Us

What is a Safe Harbor 401(k) Plan?

Employer Requirements

Maximize Contributions

Participant Disclosure

plan options

Customizable Options for Your Safe Harbor Plan

Profit Sharing Contributions

Roth Contributions

Participant Loans

Self-Directed Brokerage Accounts

Exchange Traded Funds (ETFs)

Tax Credits for Your Business

Frequently Asked Questions

Join Over 5,000 Small Businesses in Affordably Saving for Retirement!

Have Safe Harbor 401(k) Plan Questions? We Have Answers

A Guide to Safe Harbor 401(k) Plans for Small Businesses - Including SECURE 2.0 Changes

Safe Harbor or Traditional 401(k) Plan – How to Decide

Small Business 401(k) Tax Credits – SECURE 2.0 Updates