Ss prepopulated 19

Retirement Plans

Investing in a robust retirement plan is not merely a benefit; it's a strategic investment in the organization's future, demonstrating a commitment to employee security that translates into enhanced morale, increased retention, and a more competitive edge in the marketplace.
Ss prepopulated 15

401(k) Plans

Employers in the private sector

Key features:
  • Traditional and Roth contributions
  • High contribution limits
  • Investment flexibility
  • Employer matching contributions
  • Increased age 60-63 catch-up available in 2025
Ss prepopulated 4

Pooled Employer Plans

Multiple Employers

Key features:
  • Single plan, pooled assets
  • Reduced administrative burden
  • Streamlined compliance
Ss prepopulated 2

Profit-Sharing Plans (PSPs)

Profitable business seeking to reward employees

Key features:
  • Only employer contributions
  • Flexible employer contributions
  • Pairs well with 401(k) plan
Ss prepopulated 1

Employee Stock Ownership Plans (ESOPs)

Businesses of all sizes, both private and public, to grant employees ownership stakes in the company

Key features:
  • Provide employees with an ownership stake in the company
  • Tax advantages for both the company and the employees
  • Help align employee interests with the company's success
Ss prepopulated 16

403(b) Plans

Most public schools, religious organizations

Key features:
  • Traditional and Roth contributions
  • High contribution limits
  • Investment flexibility
  • New! Age 60-63 catch-up available in 2025
Ss prepopulated 19

457 Plans

State or local governmental employers

Key features:
  • Traditional contributions
  • Tax deferred growth
  • High contribution limits
  • Investment flexibility
  • New! Age 60-63 catch-up available in 2025
Ss prepopulated 5

Cash-Balance Plans

Business owners and executives

Key features:
  • Hypothetical account balance
  • High contribution limits
  • Defined benefit structure
  • Guaranteed interest credits
Ss prepopulated 3

Non-Qualified Deferred Compensation Plans (NQDCs)

Executives and key employees

Key features:
  • No ERISA restrictions
  • Targeted participation
  • Customizable structure