State Mandated Retirement Plans: What is a Qualified Plan?
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.
Safe Harbor 401(k) Plans for Small Businesses: Rules, Formulas and Deadlines
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.
2026 IRS Contribution Limits for 401(k), IRA, SEP and SIMPLE Plans
The 2026 IRS retirement plan contribution limits, each shown alongside the 2025 figure it replaced, plus what the Roth catch-up requirement changes for employers.