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The Top Heavy Test - What You Need to Know
Learn everything you need to know about the Top Heavy Test – an important 401(k) nondiscrimination test.
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Vesting Schedules – Everything You Need to Know
As a 401(k) participant, understanding your vesting schedule is crucial. Learn what you need to know in this short guide.
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401(k) Rollovers - How to Evaluate Your Options
401(k)s and IRAs can offer wide-ranging investments, fees, and features. Making a bad rollover decision can set your retirement back years.
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401(k) Earned Income – What Employers Need to Know
401(k) plans must allocate and test the contributions made to self-employed individuals using a special definition of plan compensation called earned income.
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Is Your Company Part of a Controlled Group? You Need to Know or Risk 401(k) Plan Disqualification
IRS controlled group rules often obligate 2 or more employers with common ownership to cover their employees with the same 401k plan in order to pass annual nondiscrimination testing.
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How Much Lower 401(k) Fees Can Grow Your Retirement Savings
Cost matters a LOT when saving for retirement. Even 401(k) fee small reductions today can mean much higher account balances for participants in retirement.
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401(k) Fee Study: 75% of Small Business Plans Pay Hidden Fees
“Are my 401(k) fees too high?” is a common question asked by both plan sponsors and participants. Our small business fee study can give some perspective.
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Starting a 401(k)? A Short Initial Plan Year is Probably a Bad Idea
401(k) plans must define a plan year cycle for annual administration. Most new plans should avoid a short plan year for first year administration.
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Design a 401(k) Plan Like a Pro in 6 Steps
Expert 401(k) plan design can help small business owners meet their plan goals for thousands less. The process can be completed in 30 minutes or less.
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How to Lobby Your Employer for a Better 401(k) Plan
401(k) plans with top investments and no admin fees can help you retire years sooner by delivering much higher returns. Here's how to lobby for such a plan.
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