Safe Harbor 401(k)
Vestwell’s Safe Harbor 401(k) helps you offer a smarter retirement plan with less admin, automatic compliance, and value for retaining and recruiting talent.
A 401(k) built to keep you compliant—and competitive.
Vestwell’s Safe Harbor 401(k) helps you offer a smarter retirement plan with less admin, automatic compliance, and value for retaining and recruiting talent.
Automatic IRS compliance
Skip annual testing and stay compliant by default—no manual work needed.
Streamlined match options
Choose from approved match formulas that fit your budget and offer employees a generous benefit.
Quick, supported setup
Get your plan up and running fast in less than 30 minutes with support from a 1:1 onboarding contact.
Maximized contributions for all employees
Owners can contribute up to the full limit while still passing IRS non-discrimination tests.
Designed for busy teams to stay compliant without complexity.
A Safe Harbor 401(k) is one of the easiest ways to offer meaningful retirement benefits. With automatic compliance satisfaction and predictable contribution costs, it’s ideal for businesses that want to attract talent, earn tax credits, and streamline testing typically required for retirement plans Vestwell makes it even easier with modern tech and hands-on support every step of the way.
Smart investing, made even smarter.
Enhance your Safe Harbor plan with advanced investment options—from professionally managed accounts and guaranteed lifetime income to the flexibility of Self-Directed Brokerage Accounts. Tailored solutions for long-term confidence and individual choice.
“The Safe Harbor program makes it so that I don't have to worry about compliance. It’s a generous plan that keeps things simple for us.”
Learn more about Safe Harbor plans.
Today is a great day to Vestwell.
Let’s get started on your savings journey.
Take a guided tour through Vestwell’s core capabilities, including onboarding, contributions, compliance workflows, and participant engagement.
