Non-Safe harbor 401(k)s do not require a company to make mandatory employer contributions. However, Non-Safe Harbor plans will require annual compliance testing ensure they are not top-heavy (meaning that compensating some employees more than others).

A Profit Sharing 401(k) is another type of defined contribution plan in which the company has discretion to determine when and how much the company pays into the plan. We can help you set up a well-designed profit sharing plan designed to attract and retain top talent — which is especially critical in today's competitive market.

A 403(b) plan, sometimes referred to as a "tax-sheltered annuity", is a qualified retirement plan available to public schools, tax exempt organizations, and certain religious organizations. Vestwell’s modern technology, intuitive design and 3(16) plan administration services take the headache out of setting up and administering a 403(b) plan.

In a Payroll Deduction IRA, an employee establishes either a Traditional or Roth IRA with a financial institution and then authorizes the payroll deduction for the IRA.. Some states have enacted or implemented auto IRA programs and many more are considering doing so.

Pooled Employer Plans (PEPs) allow unrelated employers that meet certain requirements to join together to participate in a single retirement plan, sponsored by a Pooled Plan Provider (PPP). Vestwell’s flexible solutions and unparalleled modern technology make it easier for small businesses to offer these benefits.