Retirement Plan Features

Customize your retirement plan to meet your individual and business needs.

Customizing Your Retirement Plan

There are many ways to customize a retirement plan to meet your organization's unique business needs.


  • Add-On Plans
  • Roth Contributions
  • Employer Contributions
  • Plan Parameters

Add-on Plans

Employers can add supplement plans - like, cash balance, ESOP, non-qualified deferred compensation (NQDC) and more - to help employees save even more for retirement and to increase business tax advantages.

Learn More 
Image of Profit Sharing cake 
 
Roth Contributions
ForRoth ContributionsView Transcript

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.

Business leader standing and speaking with group around a table

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.

401k Plan Parameters
ForPlan ParametersView Transcript

Plan Parameters

There are four main parameters that plan sponsors can designate for their plan.

  • Eligibility: Determine which employees can join the plan and when.
  • Vesting: How quickly your employees fully own employer contributions.
  • Automatic Enrollment/Escalation: 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 Graphic

Compare Popular Features

Customize your employer sponsored retirement plan to meet the unique needs of your business.

  • Attract and retain talent
  • Increase owner and employee tax savings
  • Improve employee participation and savings rates

two people shaking hands

Contact Us

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

Call Us

1 (844) 238-1247

Contact Us Today