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How to rollover your 401(k) once an employer changes retirement providers
Employees generally do not need to “roll over” their 401(k)s if the employer changes retirement providers, since the new provider assumes administrative duties and undertakes a “plan conversion.”
Everyone
Employers & Business Owners
Pros and Cons of a Safe Harbor Plan
Many small business owners find that the good outweighs the bad with a Safe Harbor 401(k) plan, which gives them a free pass on annual IRS testing.
Everyone
Employers & Business Owners
Can a Trust Be a Beneficiary of a 401(k) Plan
Leaving your inheritance in a trust allows you to control where and how your assets are divided after your death. Learn the pros and cons to this type of legacy planning, given IRS rules and limitations.
Everyone
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What Is a Safe Harbor Matching Contribution for a 401(k)?
Ubiquity Retirement + Savings has been an affordable provider of retirement solutions, including Safe Harbor 401(k) plans, designed for small businesses, start-ups, and solopreneurs since 1999.
Everyone
Employers & Business Owners
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What Should I Contribute As a Catch-up Safe Harbor 401(k)
Since 1999, Ubiquity Retirement + Savings has offered affordable retirement solutions, like Safe Harbor 401(k) plans, for small businesses and solopreneurs.
Everyone
Employees
How to Determine Safe Harbor Contributions
Safe Harbor contributions use three formulas: two matching options (basic or enhanced) and a third with nonelective contributions for all eligible employees.
Everyone
Employers & Business Owners
What is a Safe Harbor Nonelective Contribution
Safe Harbor 401(k)s allow employers to match contributions or offer nonelective contributions, benefitting everyone involved.
Everyone
Employers & Business Owners
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What are the Safe Harbor 401(k) Plan Rules
Safe Harbors have special rules for vesting, eligibility, duration, and allocation that may change by the IRS. Work with a plan administrator to stay compliant.
Everyone
Employers & Business Owners
What is a Safe Harbor Match?
In exchange for getting a free pass on annual IRS testing, Safe Harbor plans require employers to make annual contributions on behalf of their employees.
Everyone
Employers & Business Owners
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SIMPLE IRA vs. 401(k): Which is Better for Small Business?
When compared to a SIMPLE IRA, a 401(k) plan is the smarter solution for small businesses, ultimately providing greater value for owners and employees.
Everyone
Employers & Business Owners
