ADVANTAGE(K) COMPARE OPTIONS

• Compare Retirement Plan Designs With Confidence

  Every business is different. That’s why the Advantage(k) Suite offers multiple retirement plan solutions designed to address different business goals, contribution strategies, workforce sizes, and retirement objectives.

  Whether you’re a self-employed professional, a growing business looking to encourage employee savings, or an employer seeking maximum flexibility, Advantage(k) makes it easy to compare your options and choose the solution that best aligns with your needs.

  • ▾

    Lets Get Started

    iFrame Placeholder

  • ▾

    Find The Right Fit

    iFrame Placeholder

  • ▾

    Request A Consultation

    
    

Side-by-Side Plan Comparison

• Which Advantage(k) Solution Is Right for You?

  Feature	Advantage(k) Solo	Safe Harbor Match	Safe Harbor NE	Traditional 401(k)
  Best For	Owner-only businesses	Encouraging employee savings	Consistent employee benefits	Maximum flexibility
  Business Type	Owner-only	Employers with employees	Employers with employees	Employers with employees
  Employer Contribution	Employee and employer contributions permitted	100% match on first 3%, then 50% on next 2%	3% contribution for all eligible employees	Discretionary
  Employee Participation Required	N/A	Yes, to receive match	No	No
  Annual Testing	Not required	Designed to simplify testing	Designed to simplify testing	May be required
  Roth Contributions	Yes	Yes	Yes	Yes
  Catch-Up Contributions	Yes	Yes	Yes	Yes
  Loans Available	Yes	Yes	Yes	Yes
  Automatic Enrollment	N/A	Yes	Yes	Yes
  Employer Contribution Flexibility	Moderate	Moderate	Moderate	High

How to Choose the Right Option

• Employer Contribution Strategy

  • Advantage(k) Solo: Designed for owner-only businesses and supports employee and employer contributions.
  • Advantage(k) Safe Harbor Match: Employer contribution is tied to employee participation through a matching formula.
  • Advantage(k) Safe Harbor Non-Elective: Provides a fixed employer contribution to all eligible employees.
  • Advantage(k) Traditional 401(k): Employer contributions are discretionary and determined by the employer.

  • ▾

    Choose Advantage(k) Solo If

    • You have no employees other than a spouse
    • You want to maximize personal retirement savings
    • You prefer a streamlined retirement solution
  • ▾

    Choose Advantage(k) Safe Harbor Match If

    • You want to reward employees who save
    • You prefer a matching contribution strategy
    • You want employer contributions tied to participation
  • ▾

    Choose Advantage(k) Safe Harbor Non-Elective If

    • You want predictable employer contribution costs
    • You prefer contributing to all eligible employees
    • You value consistency and simplicity
  • ▾

    Choose Advantage(k) Traditional 401(k) If

    • You want maximum flexibility
    • You prefer deciding contributions each year
    • Your business needs may change over time
• ▾

  Annual Compliance Considerations

  Safe Harbor Match and Safe Harbor Non-Elective plans are designed to simplify annual testing requirements, while Traditional 401(k) plans may require annual nondiscrimination testing. Advantage(k) Solo is designed specifically for owner-only businesses.

Multiple Solutions for Different Needs

• From owner-only businesses to growing employers, Advantage(k) offers retirement solutions designed for a variety of business objectives.

  • ▾

    Streamlined Implementation

    Get up and running with a guided setup process designed to simplify retirement plan adoption.

  • ▾

    Experienced Support

    Work with retirement plan professionals who help support your plan from implementation through ongoing administration.

  • ▾

    Built to Grow With Your Business

    Choose a solution that meets your current needs and provides a foundation for future growth.