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401(k) Plans

Information on 401(k) plans.

Compare 401(K) Plans - Top 401K Companies Compete
Free Price Quotes from Up to 5 Top 401(K) Plan Providers with 1 Easy Form. Submit a Request Now & Get the Best 401(k) Plan for Your Business.
CompareQuotesFast | Find Best Plan 4U | Free&NoObligation | SubmitRequest Now
www.ProposalPortal.com/401(K)-Plans  Save My Rating
401ks Designed for Small Businesses and Individuals
Low-cost, on-demand and easy-setup plans from ShareBuilder 401(k). Plans for 1 or more priced from $15-$200/month. Get a Free Quote in minutes.
www.ShareBuilder401k.com  Save My Rating
5 Group 401(k) Price Quotes
5 Group 401(k) Plan price quotes for businesses. Request, compare and save. No obligation.
www.QuoteCatcher.com  Save My Rating
401k Rollover is Easy
At T. Rowe Price we can do most of the paperwork. Enroll online today.
rollover.troweprice.com
Small Business 401(k)
Affordable, Simple & Scalable 401(k) Plans For Small Businesses.
www.ShareBuilder401k.com
401(k) and TD AMERITRADE
Ready to move your old 401(k)? Check out TD AMERITRADE Now.
TDAMERITRADE.com
401K Information
Get the Latest Information On 401k Plans and Retirement Now.
FinanceRetirement.info
Ameriprise Financial
An Ameriprise Financial Advisor Will Tailor a Plan To Your Needs
www.Ameriprise.com
Retirement Planning
With A Thriving Relationship Located in Orange, CA
www.BenchmarkWealthManagement.com
Individual 401k
View Services, IRAs, and Info Plan for Your Retirement Today
www.AmericanCentury.com
401k Plans
Discover Top Resources and Links on 401ks and Retirement Planning.
MyFinanceSites.info
Roth 401K Plans
Employers: Get Quotes & Compare Find the Best Deal and Save Today!
401K.BuyerZone.com

A-Z 401(k) Plans Provider Directory
1-9 | A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z
1-9
401k Center for Employers
Online 401(k) plan information, applications and assistance.
401kcenter.com
401kExchange.com
Online 401(k) information and exchange service created for qualified 401(k) plan sponsors, retirement advisors and service providers.
www.401kexchange.com
401k Help Center
A resource site for retirement plan sponsors and other retirement professionals.
www.401khelpcenter.com
401 Komics
Program for educating employees about retirement planning through their 401(k) plan. The program is designed to be used in conjunction with a companies existing 401(k) plan.
www.401komics.com
Secured Retirement Incorporated
Provider of pension and 401 (k) planning.
www.401kpros.com
401K Wire
Web site providing market intelligence for 401(k) plan professionals.
www.401kwire.com
A
401(k)
Frequently asked questions and answers from the AHI Employment Law Resource Center.
www.ahipubs.net
ALI Actuarial & Retirement Plan Services
Plan design & administration services include 401(k), profit sharing and defined benefit pension plans.
www.aliactuary.com
B
Benefits Marketing
401 (k) and retirement plan sales consulting.
www.benefitsmarketing.com
Benefit Sourcing
Independent 401 (k) and retirement plan advisor.
benefitsourcing.com
Bull Market Sees 401k Balances Growing by 26%
Article from HR Next.
hr.blr.com
C
C-F Financial Systems
Independent third party administrator of pension and profit sharing plans. Site offers questions and answers concerning 401 (k) and other defined contribution retirement plans.
www.cffs.com
Chalk 401(k) Advisory Board
Consulting firm that provides plan sponsors, trustees and plan administrators with information concerning different 401(k) vendors.
www.chalk401k.com
I
Integrated Financial Planning Center
Specialists in 401 (k), 403 (b), pension and tax sheltered annuities (TSA) rollovers, investments, retirement planning, tax planning risk management, and estate planning. Located in Austin, Texas.
www.ifp-center.com
The Investment FAQ: 401(k) Retirement Plans
Article from The Investment FAQ discusses retirement plans, specifically 401(k).
www.invest-faq.com
M
Micro401k.com
401 (k) plan administrator located in Potomac Falls, Virginia.
www.micro401k.com
Money InSights
Produces financial television and 401k video programs to help people make informed decisions about how to save and invest their money.
www.moneyinsights.com
N
National Actuarial Services
Technical support for pension plan administrators offering 401 (k), profits sharing, money and defined benefit plans.
www.nationalactuarial.com
P
Personal Financial Education Company, The
Provides human resources consulting services, 401(k) plan administrator selection and investment advisory services and educational tools.
pfegroup.com
Compare 401(K) Plans - Top 401K Companies Compete
Free Price Quotes from Up to 5 Top 401(K) Plan Providers with 1 Easy Form. Submit a Request Now & Get the Best 401(k) Plan for Your Business.
www.ProposalPortal.com/401(K)-Plans
Q
5 Group 401(k) Price Quotes
5 Group 401(k) Plan price quotes for businesses. Request, compare and save. No obligation.
www.QuoteCatcher.com
R
401(k) Default Investments for Participants Who Fail to Direct
Article by Fred Reish, Bruce Ashton, and Marge Paul.
www.reish.com
401(k) Fees and Expenses
Directory of articles related to 401(k) fees and expenses.
www.reish.com
401(k) Strategies: How to Reduce Refunds to Executives
Article by Fred Reish, Bruce Ashton, and Marge Paul.
www.reish.com
401(k) Testing: Improving the ADP and ACP Tests
Article by Fred Reish, Bruce Ashton, and Marge Paul.
www.reish.com
Making the Most of Your 401(k) Plan
Article by Fred Reish and Bruce Ashton.
www.reish.com
The New 401(k) Plan Safe Harbor Design
Article by Fred Reish and Bruce Ashton.
www.reish.com
S
Scudder University Web
Online 401 (k) and 403 (b) retirement plan education.
university.scudder.com
401ks Designed for Small Businesses and Individuals
Low-cost, on-demand and easy-setup plans from ShareBuilder 401(k). Plans for 1 or more priced from $15-$200/month. Get a Free Quote in minutes.
www.ShareBuilder401k.com
Spiro Group
Provider of employee benefits consulting, health and disability insurance, professional employer organization (PEO), 401(k) and pension plans and group insurance.
www.spirogroup.com
T
TeamVest
A 401(k) service offered to certified public accountants (CPAs), banks, investment advisors, brokers, third party administrators (TPAs) and plan sponsors.
www.teamvest.com
401(k) Company, The
Provides 401(k) administration, record keeping and communication technology.
www.the401k.com
Small Business 401k Plan Specialist - The Online 401k
We specialize in full-service online 401k solutions, making small business 401k plans affordable.
www.theonline401k.com
TimYounkin.com
Consumer advocacy site with links to articles on 401(k) and other retirement plans.
www.timyounkin.com
W
web401k.com
Provides daily valuation record keeping services.
www.web401k.com
401k Savings Calculator
Online tool for estimating the future value of a 401(k) plan.
www.womenswire.com
401k Rollover is Easy
At T. Rowe Price we can do most of the paperwork. Enroll online today.
rollover.troweprice.com
Small Business 401(k)
Affordable, Simple & Scalable 401(k) Plans For Small Businesses.
www.ShareBuilder401k.com
401(k) and TD AMERITRADE
Ready to move your old 401(k)? Check out TD AMERITRADE Now.
TDAMERITRADE.com

Guide to 401(k) Plans for Small Business


These defined contribution retirement plans aren't just for big corporations


One of the most powerful perks you can offer your employees is a pension plan, and one of the most popular types is the 401(k). Named after an IRS code section, the 401(k) allows your employees to fund their own retirement through pre-tax contributions. If you can afford it, you can provide matching contributions. Both you and your employees get a tax break for contributing. A good 401(k) plan can:
  1. Help you attract top talent.
  2. Allow employees a large measure of control over their retirement plans.
  3. Give employees the option of participating or not.
  4. Provide your employees a retirement plan at far less cost to you than a traditional pension.


Action Steps

The best contacts and resources to help you get it done

Decide what type of 401(k) you will use The cheapest is a plan in which you don't match your employees' contributions. If you choose to contribute, you need to decide how much and in what fashion. You can contribute a set percentage along with your employees. You can make your contribution a bonus paid annually. You can use the contribution as part of a profit-sharing program. Whatever method you choose, participation by your employees needs to be voluntary.

I recommend:  For an overview of plans, see the Business Owner's Toolkit discussion of 401(k) plans. Also review the 401(k) plan requirements. For a comparison of different types of small business retirement plans, check out Wells Fargo.

Get familiar with plan providers Because 401(k) plans are complex, most companies hire a plan administrator to run their programs. Banks, brokerage houses and other financial services companies offer 401(k) plan services. But even the biggest banks typically use another outside vendor. You can buy directly from some of the same vendors. In addition, some offer more hands-on 401(k) software, usually at reduced costs.

I recommend:  One of the major providers of plans for business is ADP Retirement Services, which has partnering agreements with some of the nation's largest financial services firms, including Bank of America, Merrill Lynch and AIG SunAmerica. PAI offers a range of plans for small business. One company that offers self-run plans is 401(k) Easy.

Compare plan options and providers When shopping for a plan, compare both prices and services. If you have only a few employees, you probably don't need an expensive plan with lots of options. You want to make sure the plan is both affordable and adequate for your needs. If you decide to use a self-run software plan, you should take it for a test drive to be sure you're comfortable running it.

I recommend:  Several companies list their services and fees online. BuyerZone provides links to a range of providers and plans. Both Wachovia and 401(k) Easy offer plan descriptions and prices on their Web sites. ShareBuilder offers online quotes for plans based on your number of employees and location.

Know what you're getting before you buy There's lots of fine print in even the most basic 401(k) plan. Make sure you understand what you're getting and how much it will cost before you buy. Starting over can be a real headache.

I recommend:  Use this 401(k) Buyers Guide from BuyerZone to help you evaluate plans and offerings.

Tips & Tactics

Helpful advice for making the most of this Guide
  • Even do-it-yourself software plans should offer help lines and backup assistance in managing your plan.
  • Watch out for hidden costs and fees, particularly investment transaction fees that can eat into your employees' savings.
  • Ask other small business owners and your own accountants and lawyers for recommendations on 401(k) plans. Your best advice might come from someone you already know or work with.
  • Don't forget about your own retirement. You can participate in your company 401(k). Even if you don't currently have employees, you can set up a 401(k) for yourself.

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Guide author
By Irwin Speizer
Human Resources
User Rating
8.9
out of 10
These defined contribution retirement plans aren't just for big corporations.
One of the most powerful perks you can offer your employees is a pension plan, and one of the most popular types is the 401(k). Named after an IRS code section, the 401(k) allows your employees to fund their own retirement through pre-tax contributions. If you can afford it, you can provide matching contributions. Both you and your employees get a tax break for contributing. A good 401(k) plan can: Help you attract top talent ... Read more

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