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Safe Harbor 401(k) plan

May 2, 2025

By Laurie Rowley

Co-Founder and CEO

Laurie’s career has focused on developing solutions that improve financial security. She is widely regarded as an expert in retirement savings, behavioral finance, and human-centered design.

Similar to a regular 401(k) plan, but the employer is required to make contributions for each employee–either matching contributions or a 3% contribution to all participants. The employer contributions are immediately 100% vested. The Safe Harbor 401(k) makes it easier for employers by eliminating some of the complex tax rules applied to traditional 401(k) plans.

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