401(K) PLANS
Scale Your Business with a Safe Harbor 401(k)
- Start-Up Tax Credits
- Stay Compliant with Ease
- Avoid Nondiscrimination Testing
Why a Safe Harbor 401(k) at IRA Club SBS?
- Up to $72,000 combined total for employee + employer contributions for 2026
- Safe Harbor contributions are 100% vested within 7 business days.
- Flat fees with transparent pricing - no hidden charges
- Low-Cost AI trading platform at your team’s fingertips
Plan Benefits
- Payroll integration with most providers
- Record keeping & government filing
- Ongoing Compliance testing
- Employee onboarding & education
- Stress-free administrative dashboard available
- Reliable, human support is just a phone call away
Lead Your Team Forward with Protected AI Investing
Empower your employees with access to an AI-powered investing platform built to protect and grow wealth, at a cost that’s up to 6x lower than the industry standard.
 |
Wealth Manager | Robo Advisor | Online Broker | |
|---|---|---|---|---|
| Investments managed with AI | ✓ | ✓ | ||
| Can choose market index strategy | ✓ | ✓ | ✓ | |
| Low minimum investment ($500) | ✓ | ✓ | ||
| Ability to pay 0% in fees | ✓ | ✓ | ||
| Built with protection in mind | ✓ | ✓ | ||
| Intuitive online experience | ✓ | ✓ | ✓ | |
| Choose individual stocks or ETFs | ✓ | ✓ | ✓ |
Connect with Your Payroll Provider
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Frequently Asked Questions
What is a Safe Harbor 401(k) and how does it work?
A Safe Harbor 401(k) is an employer-sponsored retirement plan that automatically satisfies key IRS nondiscrimination requirements by requiring mandatory employer contributions. In exchange, business owners and highly compensated employees can contribute the maximum allowed each year without failing compliance testing.
What are the employer contribution requirements for a Safe Harbor 401(k)?
Employers choose between two options:
Contribute 3% of pay for all eligible employees, regardless of participation.
Match 100% of the first 3% employees’ contributions, plus 50% of the next 2%.
Schedule a call to discuss which option makes sense for your business.
What are the 2026 Safe Harbor 401(k) contribution limits?
For 2025, employees can contribute up to $24,500, with an additional $8,000 catch-up if age 50 – 59; 64+. Thanks to SECURE 2.0, participants turning age 60 – 63 during the plan year could be eligible for an even larger catch-up contribution of an additional $11,250, resulting in $35,750 total employee elective deferral.
How does a Safe Harbor 401(k) benefit small business owners?
Safe Harbor 401(k) plans give small businesses a simpler alternative to traditional 401(k)s, reducing the time and effort needed for plan administration. For employers already considering offering a match, a Safe Harbor plan can streamline compliance, maximize both employer and employee savings, and strengthen your ability to attract and retain top talent.
How is a Safe Harbor 401(k) different from a traditional 401(k)?
Unlike traditional 401(k) plans, Safe Harbor plans have built-in “safe harbor” features that bypass nondiscrimination testing by requiring employer contributions, simplifying compliance.
When is the deadline to start a Safe Harbor 401(k) plan for 2026?
To be effective for the 2026 calendar year, most Safe Harbor 401(k) plans must be set up by October 1, 2026, and be ready to receive 401(k) elective deferral contributions.
Can I offer a Safe Harbor 401(k) with automatic enrollment or Roth options?
Our plans come with auto-enrollment services. Contributions can take three different forms, the first two of which are matching. This means employees must make traditional or Roth 401(k) elective deferrals to their accounts to receive the matching contributions.
How does AI & Alternative investing integrate with a Safe Harbor 401(k)?
At IRA Club SBS, our systems integrate with iFlip, a protected AI-powered investing platform that adapts to today’s unpredictable markets, letting you and your team invest confidently without timing the market or paying high advisor fees.
What are the compliance advantages of Safe Harbor 401(k) plans?
These plans automatically satisfy key IRS nondiscrimination tests, including the ADP, ACP, and top-heavy tests, reducing risk and administrative burden.
How much does it cost to set up and maintain a Safe Harbor 401(k)?
The Safe Harbor 401(k) at IRA Club SBS is our most custom 401(k) with access to an exclusive support team for plan admins, employees, and more, starting at $2,950 annually with an active participation fee. Contact Sales to learn more about flexible pricing and how to customize the 401(k) to best fit your needs.