Safe Harbor

A plan option that can help business owners maximize savings and pass compliance testing

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What is Safe Harbor?

Safe Harbor is a type of employer contribution that can be added to a 401(k) plan in order to help the plan pass compliance testing.

  • How Safe Harbor Works

    Safe Harbor is a type of employer contribution that is added to a 401(k) plan in order to help the plan pass compliance testing. There are types of contributions an employer can choose from: Non-Elective, Basic, Enhanced.

  • Why Safe Harbor is Important

    Adding a Safe Harbor provision to the 401(k) plan allows the plan to pass compliance testing. This enables highly compensated employees to maximize their annual personal contributions.

  • How Fisher Can Help

    Fisher is one of America's top advisory firms with deep experience helping business owners navigate the ins and outs of evaluating and setting up a Safe Harbor strategy tailored to meet their specific objectives.


Must-See 2-Minute Video

Safe Harbor Video

Watch this short video to learn how successful business owners can leverage Safe Harbor to maximize savings for themselves and highly compensated employees while passing annual compliance testing.


Safe Harbor Guide

What business owners need to know about adding a Safe Harbor to their 401(k) Plan.


There are 3 Options for Safe Harbor Contributions

Non-Elective Safe Harbor

Eligible employees get an annual employer contribution of 3% of their salary. This amount is immediately fully vested and the employee gets it whether or not they contribute to the plan.

Basic Safe Harbor Match

The employer matches 100% of the first 3% of each employee’s contribution and 50% of the next 2%. Employees are required to contribute to their 401(k) in order to get the match.

Enhanced Safe Harbor Match

The employer matches 100% of the first 4% of each employee’s contribution. Like a Basic Safe Harbor Match, employees are required to defer money to their 401(k) in order to qualify for the match.


Safe Harbor Case Study

See how to leverage a Safe Harbor feature to help highly compensated employees maximize their 401(k) contributions.


Solutions for Top Heavy 401(k) Plans

Learn about some of the solutions available for top heavy 401(k) plans.


Why Work with Fisher

Fisher redefines what it means to be a partner in retirement by providing superior guidance, unparalleled service and simple and easy program administration.

  • Your Interests First

    Incentive structures that are aligned with your success. No revenue sharing, no kick-backs or commissions. When you do better, we do better.

  • DIFY (Do It For You) Approach

    Our servicing solutions focus on doing everything we can for you. From acting as a single point of contact for your plan to selecting your investments, we provide services that many other advisers can’t or won’t provide.

  • Superior Financial Guidance

    As one of America’s top financial advisors, we work with you to build the optimal program and provide ongoing one-on-one financial guidance to maximize wealth generation.

  • Small Business Expertise

    We specialize in small business retirement plans. As a result, we act as your advocate and have the knowledge, resources and clout to champion your needs.


Schedule your free consultation!

One of our 401(k) business specialists would love to talk to you about your company's retirement plan needs.


Additional Resources

  • Tax Strategies for Business Owners

    There’s a huge tax benefit for businesses that no one may have told you about. Some business owners can save up to $100K or more in taxes annually, by using three IRS sanctioned tax strategies

  • Maximize Retirement Savings

    Save big on your personal taxes with a cross-tested profit-sharing plan added to your company's 401(k) plan

  • The Powerful Tax Benefit for Business Owners

    Learn about a powerful strategy that helps business owners optimize their retirement program to save big on taxes.

  • Tax Savings

    Find out how a business owner can save over $111K in taxes annually and turbo-charge her retirement savings.

  • Safe Harbor

    Find out how a business owner increased his personal annual contribution with a Safe Harbor 401(k) Plan.

  • Profit Sharing

    See how one business owner saved over $51,000 a year by switching to a New Comparability Profit Sharing Plan.

  • Tax Savings

    Watch this short video from a Fisher small business specialist to learn how business owners can use IRS sanctioned strategies to reduce their tax burden and turbo-charge their retirement savings.

  • Cash Balance

    Are you missing out on tax advantaged savings? Watch this short video from a Fisher small business specialist and learn how a Cash Balance Plan may help you.

  • Profit Sharing

    Watch this short video to learn how successful business owners can leverage a Profit Sharing component in their 401(k) to optimize the plan for tax savings.

  • Tax Savings

    What you need to know to unlock huge savings. This guide features information designed to answer your tax savings questions.

  • Cash Balance

    This guide features helpful information designed to answer your questions about the benefits of a Cash Balance Plan.

  • Profit Sharing

    Learn how to maximize your Profit Sharing Plan to reduce plan costs and capture more tax savings.

Safe Harbor 401(k) tools and resources.
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