Скачать или смотреть What is a Safe Harbor 401(k)?

Now, you might be thinking, "Hey, that sounds expensive!" And you're not wrong. Safe Harbor plans do require a significant financial commitment from you as the employer. But before you run for the hills, let's talk about why you might consider it:

It’s simpler - with a Safe Harbor plan, you can say goodbye to the stress and complexity of annual non-discrimination testing.

There are higher contribution limits for highly compensated employees: Without the restrictions imposed by failed non-discrimination tests, your higher-paid employees (often including owners and executives) can max out their contributions.

It helps attract and retain talent: A guaranteed employer contribution can be a powerful recruiting and retention tool.


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