Types of 401(k) Providers and How to Choose the Right One for Your Business
Choosing a 401(k) provider is one of the most important operational decisions a business owner makes. The type of provider you choose will directly shape how much time your team spends on administration, how well your plan stays compliant, and how easily your benefits program scales as you grow. Here’s the thing, not all 401(k) […]
The 401GO Advantage: Modern 401(k) Solutions for Every Stage of Growth
401GO at a Glance: Selecting a 401(k) provider is an important decision for any business’ benefits strategy. While many traditional providers are bogged down by manual paperwork and fragmented services, 401GO delivers 401(k) plans with ease. By combining cutting-edge automation with a human-centric approach, we have moved beyond Frankenstein digital tools to a fully unified, […]
What is a 403(b)?
A 403(b) is a retirement plan for tax-exempt organizations. Similar to a 401(k), they offer unique tax advantages. They can be a powerful tool to help people reach retirement goals, especially with the 15-Year Rule. If you work for a school, a hospital, or a 501(c)(3) nonprofit, you’ve likely been offered a 403(b) plan. This […]
What Actually Happens When You Fail 401(k) Testing
Do you treat 401(k) testing as a secondary, last minute task? If you understood what happens when a plan fails 401(k) testing, you wouldn’t want to put it off. While simple if caught in advance, leaving testing to last minute could result in unintended consequences. Take a minute to go beyond the technical jargon and […]
Minnesota Becomes Latest State to Implement a Retirement Mandate
The Minnesota Secure Choice Retirement Program requires employers with 5 or more employees to offer a retirement plan starting in 2026, but you can avoid the state-run IRA’s limitations by choosing an automated 401(k) plan from 401GO. About 40% of American adults have no money set aside in a retirement savings plan. Specifically, nearly one […]
What You Need to Know About 2026 401(k) Contribution Limits
Saving for retirement just got a little more room to grow. The IRS announced new 401(k) contribution limits for 2026. If you’re a saver, business owner, or advisor helping clients plan ahead, these changes matter. Whether you’re maxing out your contributions or just getting started, understanding the new limits helps you make the most of […]
How to Maximize Retirement Savings: A Guide to 401(k) and Cash Balance Plan Combo
Maxing out your 401(k) is a great start, but for high-income earners, it can often feel like trying to fill a swimming pool with a garden hose. Even with the total 401(k) limit rising, many business owners are still left with a massive tax bill and a savings gap. Enter the cash balance plan. When […]
Why Financial Wellness is Your Business’s Secret Weapon
Financial health doesn’t live in a vacuum. It’s not a box you can tuck away at 9:00 AM and pick back up at 5:00 PM. Financial stress follows people into the office, affecting their focus, health, and overall productivity. You can support employees by offering a retirement plan. But to truly help your team and […]
Year-End 401(k) Checklist for Business Owners
The holidays are fast approaching, bringing time spent with family and friends, delicious food, and a chance to put your feet up. Maybe you’re anticipating traveling to a new destination, visiting family or enjoying a cozy staycation. Before you close your laptop for the year, there are a few simple things you should review with […]
Understand the Retirement Plan Transfer Process
If you have a 401(k) plan then you already know that it is a proven and powerful benefit for you and your employees. It can be a retention tool for your business, and give employees the ability to save for their future and think about what retirement looks like for them. If you have a […]