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What is a safe harbor 401(k) plan? A safe harbor 401(k) plan avoids nondiscrimination testing of elective deferrals (ADP test) and matching contributions (ACP test).  However, the plan must comply with specific requirements to be considered a [...] Key words: ,,
Is there a way to avoid getting refunds from failed annual discrimination testing of our 401(k) plan? In most cases, a 401(k) plan must perform a numeric test on participant salary deferral contributions and employer matching contributions, if any are made under the plan.  Regulations that apply [...] Key words: ,,,

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