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.

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Roth Contributions
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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.

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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
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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.

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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

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

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1 (844) 238-1247

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