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2. What Is a Safe Harbor 401(k)? - AOL

   www.aol.com/finance/safe-harbor-401-k-232417795.html

   Company-sponsored 401(k)s have become the go-to retirement savings plan for millions of Americans who want a tax-advantaged way to build their nest eggs. Workers who sign up for the plans agree to...

3. 401(k) - Wikipedia

   en.wikipedia.org/wiki/401(k)

   This includes making a "safe harbor" employer contribution to employees' accounts. Safe harbor contributions can take the form of a match (generally totaling 4% of pay) or a non-elective profit sharing (totaling 3% of pay). Safe harbor 401(k) contributions must be 100% vested at all times with immediate eligibility for employees.

4. What You Need to Know About a Safe Harbor 401(k) - AOL

   www.aol.com/news/know-safe-harbor-401-k...

   For workers, a standard 401(k) plan offers a straightforward and tax-advantaged way to save for retirement, but for employers, setting up a 401(k) plan is anything but simple. Companies who want ...

5. When Should I Invest in a Safe Harbor 401(k) Plan? - AOL

   www.aol.com/invest-safe-harbor-401-k-135600042.html

   The Safe Harbor 401(k) is a type of retirement plan designed to provide employers with a simple way to bypass annual nondiscrimination testing. This testing is a complex process that ensures ...

6. Pension Protection Act of 2006 - Wikipedia

   en.wikipedia.org/wiki/Pension_Protection_Act_of_2006

   Extends the 2001 tax act's contribution limits for IRAs and 401(k)s. Allows automatic contributions to be returned to employees without tax penalties, if employee opts out within 90 days Established safe harbor investments, also known as Qualified Default Investment Alternatives, to protect employers from liability of losses suffered by ...

7. Tax Reform Act of 1986 - Wikipedia

   en.wikipedia.org/wiki/Tax_Reform_Act_of_1986

   Since the profit sharing percentage must be uniform for all employees, this had the intended result of making more equitable contributions to 401(k)'s and other types of DC pension plans. The 1986 Tax Reform Act introduced the General Nondiscrimination rules which applied to qualified pension plans and 403(b) plans that for private sector ...