Pooled Employer Plans, or PEPs, have become an increasingly attractive option for businesses seeking a cost-effective way to offer retirement benefits. Designed to streamline administration and lower costs through economies of scale,...

The Importance of Discretionary Testing: ACP and ADP If you’re a business owner who is interested in offering retirement benefits like a 401k, you may have heard of the words nondiscrimination or...

Retirement planning is not easy, and the current economic downturn and global pandemic did not make it any easier. As a small-medium business owner with existing retirement plans, we applaud you for...

Employee retention is no simple matter. It’s an important part of running a small business. After all, how would you be able to grow your business and clientele if you’re a one-man...

As a small-medium business owner, we understand that you might not have the ability to provide impressive benefits like those of Silicon Valley tech firms, VC-backed startups, or Fortune 500 Companies. After...

Many states are starting to require businesses--even smaller businesses with as few as 5 employees--to participate in a state-sponsored retirement plan (generally an IRA), unless they already offer an employer-sponsored plan, in...

If you are thinking about taking out a loan against your 401k, you’re not alone. Before you pull the trigger though, it’s important to explore all of your options and know exactly...

Having a company-sponsored retirement plan can come with plenty of benefits for employees and employers alike--but only if there’s enough participation.  If you already have a retirement plan in place and have...

As businesses scramble to compete for top talent in the current job market, offering a solid retirement plan distinguishes one employer from the rest.   While incentives such as paid time off,...