A Well-Built Retirement Plan
There are many ways to tailor a retirement plan to meet your organization's unique business needs.
Employers can add supplement plans—like cash balance, ESOP, nonqualified deferred compensation (NQDC) and more—to help employees save even more for retirement and to increase business tax advantages.Learn More
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.
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.
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.