The Ultimate Guide to Safe Harbor 401(k) Plans

Safe harbor 401(k) plans are subject to employer contribution and participant disclosure requirements that don’t apply to traditional (non-safe harbor) 401(k) plans. In exchange, a safe harbor plan can automatically pass the ADP/ACP test and satisfy the minimum...

Pooled Employer Plans (PEPs): Myth vs Reality

In 2019, the SECURE Act created Pooled Employer Plans (PEPs) – a form of “open” Multiple-Employer Plan that pools the 401(k) assets of multiple unrelated employers. Supporters claim PEPs can offer lower fees for plan participants and greater liability protection for...

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