LRS 
A 403(b) plan lets employees of public schools, 501(c)(3) organizations, and churches save for retirement through annuity contracts or mutual fund accounts. Here is how it works for the employer.
When a 401(k) plan can pay out before retirement, how hardship withdrawals work, what the rule of 55 covers, and when the 10% additional tax applies, with every rule tied to its IRS source.
What a 401(k) third-party administrator does, how a TPA works with the recordkeeper and payroll provider, what stays with the employer and what the DOL suggests asking a provider.
A CP403, CP406 or CP283 is not necessarily an audit. Here is what each IRS and DOL retirement plan notice means, how the Form 5500 notice timeline runs and which relief stays open.
How Section 280E treats cannabis 401(k) contributions, plan fees and startup credits after April 2026, and how medical and adult-use activity now differ for tax purposes.
The four federal tax credits for starting and running a retirement plan, how SECURE 2.0 changed them, and what a business can deduct.
Most state programs exempt an employer that already sponsors a plan. Which plans count barely changes state to state. The step employers miss is telling the state they have one.
Most 401(k) plans must pass annual testing, and when one fails the contributions cut back are usually the owner’s. A safe harbor design trades a contribution for exemption.
A ROBS plan holds stock in your company. Exiting means selling the business, redeeming the stock, distributing it in kind, or terminating the plan. Each route turns on a valuation.
Almost every payroll company lists 401(k) integration as a capability. What matters is whether it connects to your recordkeeper, and in which direction.