Standardization means success for your 401(k) plan.

The Safe Harbor option is completely standardized. For you that means easy implementation, monitoring, and no discrimination testing. Just meet the requirements and you're ready to go.

Auto enrollment option

• Automatic enrollment after six months of service and 21 years of age
• Automatically enrolled at 3%, increased each year by 1% until reaching 6%
• Employer match = 100% of the first 1%, and 50% of the next 5%
• Profit sharing component available
• Two-year cliff vesting

Non-elective Safe Harbor

• Employer contributes 3% to each employee regardless of employee's contribution
• No requirements can be made on hours worked or length of time worked before eligible
• 100% vested

Standard Safe Harbor

• Multiple match options available with a minimum match of 100% of the first 3% and match 50% of the next 2%
  
• No requirements can be made on hours worked or length of time worked before eligible
• 100% vested

Safe Harbor benefits:

• You have set requirements so employees can max out contributions and no discrimination testing will result
• Your specific vesting match and schedule allows for easy implementation and maintenance