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Webcast: Safe Harbor 401(k) Plans - An Advanced Look
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2/19/2013
When: 02/19/2013
11:00:00 AM
Contact: Martha O'Hanlon


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Safe Harbor 401(k) Plans – An Advanced Look
Presented by Karen Smith, FSA, EA, JD, Nova 401(k) Associates  
Tuesday, February 19, 2013

11:00 a.m. – 12:40 p.m. CT 

A safe harbor design offers invaluable benefits to plan sponsors seeking a simple solution to satisfy their 401(k) plans’ nondiscrimination requirements. Although the basics may be simple, operating the safe harbor plan may prove difficult if the plan sponsor isn't careful. In this advanced webcast, Karen Smith will briefly review the basics of contribution options, timing of contributions and employee notification. Then, she will explore deeper the intricacies of safe harbor plans, including:  

  • Plan document set up;
  • Considerations with the ACP Safe Harbor;
  • Avoiding the ACP test;
  • Creative plan designs: top heavy exemption, cross testing, maximizing the match;
  • Permissible mid-year amendments; and 
  • Stopping a safe harbor: either suspending the contribution or terminating the plan.

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