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401(k) Information

What is a 401(k)?

A 401(k) is an employer-sponsored retirement savings plan. It allows employees to invest part of their paychecks before taxes are taken out. Taxes are paid when they withdraw the money from the account. Many employers offer matching programs as part of their employee benefits package.

401(k) plans started replacing pension funds in the 1980s when the cost to run them rose. Most 401(k)s have a spread of mutual funds made up of stocks, bonds and money market investments. Employees choose how their money is invested.

What are the benefits of a 401(k)?

As a business owner, it is in your best interest to attract potential employees to your company. Many people look for jobs that include healthcare as part of the benefits package. But, more people are learning the importance of starting to save for retirement at a younger age. So, 401(k) plans are growing in popularity.

By offering a 401(k) plan, you are telling your employees that you care about their future and personal assets. Help your staff get the most out of what you offer in your 401(k) plan. Tell them about details like investment options, how to make changes, and matching information.

Get started today!

Are you ready to add retirement savings to the list of benefits your business offers? Call us to learn more about setting up a program today.

IRS Information for Retirement Plans

   
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