Most employers will contribute to your 401(k), but it’s generally optional Matt Webber is an experienced personal finance writer, researcher, and editor. He has published widely on personal finance, ...

Benefits, requirements, and process of a popular type of 401(k) retirement savings plan for small businesses Christopher A. Farrell is a bestselling author, and former Wall Street trader and market ...

For workers, a standard 401(k) plan offers a straightforward and tax-advantaged way to save for retirement, but for employers, setting up a 401(k) plan is anything but simple. Companies who want to ...

A safe harbor 401(k) is a special type of employer-sponsored retirement plan that helps businesses skip the hassle of annual IRS testing — while guaranteeing employer contributions to employees. In ...

A safe harbor 401(k) plan is a version of a traditional 401(k) retirement plan that offers simplified compliance. Employers with safe harbor 401(k)s must contribute to employee accounts, generally ...

What is the ADP test and how does it work? What happens if a 401(k) plan fails an ADP Test? What are the employer’s different options for making a safe harbor contribution? Which employees must ...