Retirement Plan Features

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

A Well-Built Retirement Plan

There are many ways to tailor 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 plansโ€”like cash balance, ESOP, nonqualified deferred compensation (NQDC) and moreโ€”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.

  • 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.
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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
  • Reduce cost
  • Increase owner and employee tax savings
  • Improve employee participation and savings rates

Employer Insights

Explore Your Priorities

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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.

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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.

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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.

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Auto Enrollment Case Study

How a Business Can Increase 401(k) Savings Rates with a Simple Plan Feature

See how this 50-employee tech company improved plan participation and employee savings, while also allowing owners to increase their own contributions.

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Contact Us

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

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(844) 238-1247

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