A Well-Built Retirement Plan
There are many ways to tailor a retirement plan to meet your organization's unique business needs.
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Add-On Plans
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Roth Contributions
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Employer Contributions
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Plan Parameters
Add-On Plans
Employers can add supplement plansโlike cash balance, ESOP, nonqualified deferred compensation (NQDC) and moreโto help employees save even more for retirement and to increase business tax advantages.
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Roth Contributions
A Roth option allows you and your employees to pay taxes on your retirement savings now, instead of when you take distributions in retirement. Providing a Roth option may reduce the overall taxes paid over the life of the investment and is an important part of a tax diversification strategy.
Employer Contributions
- Match: Incentivizes employees to contribute.
- Safe Harbor: A type of contribution that helps an employer pass compliance testing.
- Profit Sharing: A type of contribution via an add-on plan.
Plan Parameters
There are four main parameters that plan sponsors can designate for their plan.
- Vesting: Decide how quickly your employees fully own employer contributions.
- Automatic Enrollment/Escalation: Determine whether employees will be automatically enrolled in the plan and registered for annual contribution increases.
- Loans: Enable participants to borrow against their vested balance.
Compare Popular Features
Customize your employer-sponsored retirement plan to meet the unique needs of your business.
- Attract and retain talent
- Reduce cost
- Increase owner and employee tax savings
- Improve employee participation and savings rates
Employer Insights
Explore Your Priorities
401(k) Employer Match Contributions Matter
Sometimes people need a little nudge. Matching can encourage employees to save more for retirement. Learn more about employer matching options.
Safe Harbor Frequently Asked Questions
Learn how safe harbor contributions can make compliance testing go more smoothly while increasing the retirement savings of both owners and employees.
Create a Compelling Profit Sharing Plan
Learn how to tailor a profit sharing plan that's flexible and provides owners and employees with another tax-advantaged way to save for retirement.
Auto Enrollment Case Study
How a Business Can Increase 401(k) Savings Rates with a Simple Plan Feature
See how this 50-employee tech company improved plan participation and employee savings, while also allowing owners to increase their own contributions.
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One of our 401(k) business specialists would love to talk to you about your companyโs retirement plan needs.
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