Safe Harbor Resources Center
Safe Harbor plans do exactly what the name suggests: they provide a secure way for small businesses to offer a 401(k) plan without the hassles of compliance testing that they often face. The 401GO deadline for 2025 Safe Harbor 401(k) plan submissions is next Friday, September 30th. Educate yourself and your clients with our Safe […]
Will Your 401(k) Pass Non-Discrimination Testing?
If you offer your team a 401(k) plan, you already know how valuable it is for attracting and keeping great people. But did you know the IRS has rules to make sure these plans don’t just favor owners or top executives? That’s where nondiscrimination testing (commonly referred to as ADP/ACP tests) comes into play. Failing […]
Convert Your SIMPLE IRA to a Safe Harbor 401(k)
The dog days of August bring us annual events with summer winding down, kids getting ready to go back to school, football games right around the corner and…Safe Harbor season in the air! The 2025 Safe Harbor season is even better since companies are now allowed (since 2024) to switch from a SIMPLE IRA to […]
Why It’s Important to Think About a Safe Harbor 401(k) Plan Now
You’ll hear a lot about Safe Harbor 401(k) plans this month, and with good reason. But they come with a few regulations that business owners need to be aware of.