Compare 401(k) Plans
Type of Plan
  • 401(k)
  • 401(k) Profit Sharing/Match
  • 401(k) Safe Harbor
 401(k) Safe Harbor 401(k) Profit Sharing
Who May Establish Any type of employer with an unlimited number of employees
 Organizations with 2-10 total number of employees
  • Owner-only business (sole proprietors, partnerships, corporations, S Corp)
  • Accommodates multiple owner(s) and spouse(s)
Maximum Employee Deferral $14,000 - 2005
$15,000 - 2006
       $15,500 - 2007 - 08 		$14,000 - 2005
$15,000 - 2006
       $15,500 - 2007 - 08 		$14,000 - 2005
$15,000 - 2006
       $15,500 - 2007 - 08
Maximum Employee Catch-Up Contribution (age 50 and older) $4,000 - 2005
$5,000 - 2006
       $5,000 - 2007 - 08 		$4,000 - 2005
$5,000 - 2006
       $5,000 - 2007 - 08 		$4,000 - 2005
$5,000 - 2006
       $5,000 - 2007 - 08
Employer Contribution Options
  1. Discretionary Profit Sharing
  2. Match
  3. Safe Harbor Options
    • 100% of 4%, 5%, or 6% to participants OR
    • 3% non-elective to all eligible participants
  1. Mandatory Match
    • 100% of 4%, 5%, or 6% to participants OR
    • 3% non-elective to all eligible participants
  1. Discretionary Profit Sharing
  2. Match
Vesting
  • 100% immediate
  • 3 year cliff
  • 4 year graded
  • 5 year graded
  • 6 year graded
 Mandatory Match:
  • 100% immediate
Profit Sharing:
  • 3 year cliff
  • 4 year graded
  • 5 year graded
  • 6 year graded
 100% immediate
Loans
  • Lesser of 50% of vested account balance or $50,000
  • Minimum amount $1,000
  • Maximum of two outstanding loans
  • Lesser of 50% of vested account balance or $50,000
  • Minimum amount $1,000
  • Maximum of two outstanding loans
  • Lesser of 50% of vested account balance or $50,000
  • Minimum amount $1,000
  • Maximum of two outstanding loans
Withdrawals and Distributions Yes Yes Yes including hardships
ADP/ACP Testing Yes Generally Satisfied No
Top Heavy Testing Yes Generally Satisfied No
Investment Options 15 Core Index Funds
1 Money Market Fund
5 Model Portfolios 		15 Core Index Funds
1 Money Market Fund
5 Model Portfolios 		15 Core Index Funds
1 Money Market Fund
5 Model Portfolios
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