401(k) Service

Sure401k allows you to select from hundreds of high-quality/low-cost investment options and manage them through our easy-to-use, online platform.

All of our 401(k) options:

• Seamlessly integrate with your payroll account.
• Offer affordable program management with transparent fees.
• Offer online access to you and your employees.
• Provide retirement experts who are available to help you.
• Give you easy, same-day, online enrollment.
• Allow you to choose from among a variety of plan types.
• Provide access to hundreds of high-quality funds from firms such as Fidelity, T. Rowe Price, Dodge & Cox, Vanguard, and more.

With Sure401k, everything is transparent:

Plan Types

We offer a variety of plan types so you can choose what best suits your needs.

• Regular Deferral: Employee contributions are taxed only when they take distributions.
• Roth Deferral: Employee contributions are taxed when contributions are withheld from their paychecks.

• Discretionary Company Match: There is no maximum match limit and you can tier your matched contributions.
• Match a Percentage of Your Employee's Payroll Deferral: You choose a maximum limit that is either a fixed dollar amount for the year or a percentage of the employee's annual salary.

Traditional 401(k) Plan with Profit Sharing: allows you to contribute to an employee's plan, even if they are not actively contributing. Sure401k will prepare estimated profit sharing calculations upon your request.

Traditional 401(k) Plan with Safe Harbor Feature: helps companies that have a mix of highly-compensated employees (HCE) and non-highly compensated employees (NHCE) that would have trouble passing non-discrimination testing. Without a Safe Harbor, HCEs run the risk of having taxable income returned to them at the end of the year, even if they have already filed their tax returns. Safe Harbor contributions satisfy discrimination testing.

Solo(k) Plan: makes it affordable for owner-only business owners to save for retirement. It offers you and your spouse the same advantages of a traditional 401(k) plan, including pre-tax contributions, a wide range of investment options and higher annual contribution limits than with a SIMPLE IRA plan.