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Employers and Small Businesses
PEO and MEP Sponsors
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Financial Advisors
About Shelton®
FAQs
Resources
Articles for Employers
Tips for Plan Participants
Retirement Planning Tools
401(k) White Paper
Contact Us
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– Employers and Small Businesses
– PEO and MEP Sponsors
– Plan Participants and Individual Investors
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Test form
Test form
Lucas Hitch
2021-01-13T07:09:09+06:00
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Select the option that best describes your role so we can ask the right questions:
Business Owner, HR decision maker
Other, no thanks, just looking
Number of Employees:
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What's the estimated average annual pay for an employee at your business?
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Once eligible, all employees age 21 or older will be automatically enrolled in the plan.
First day of work
After 3 months of work
First Anniversary
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Who will pay the monthly $6 per participant fee?
Business owner (you)
Employees
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What percentage of an employee’s pay would you like to set as the default contribution?
This plan has automatic enrollment. That means you need to select a default percentage that all eligible employees will start contributing when they are automatically enrolled in the plan. Don’t worry; employees can change this amount or opt out at any time.
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How would you like to handle employee contribution increases?
Auto increase
By default, employee contributions automatically increase 1% each year up to 10%, helping employees save more for retirement. Employees can opt out anytime.
Employee decides
Employees contribute only the default percentage of their income each year until they make a change.
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As the business owner, are you okay with making matching contributions?
Yes
No
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Which type of matching contribution do you want to make?
Safe harbor
You will generally contribute more, but IRS-approved guidelines allow you to bypass some compliance testing.
Non-safe harbor
You have the option to contribute less, but cannot bypass compliance testing required by the IRS.
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Would you like to stretch your safe harbor match?
Stretch your match
Match your employee’s contribution:
Match 100% up to the first 3% of pay+Match 50% of the next 2% of pay, up to 5%
(If your employee contributes 5%, your match would be 4% of pay.)
Straight match
Match your employee’s contribution:
Up to 4% of pay: Match 100% +Match 50% of the next 2% of pay, up to 5%
(If your employee contributes 4%, your match would be 4% of pay.)
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Name
First
Last
Email
Company Name
Does your company already have a 401(k) Plan?
Yes
No
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