# ForUsAll.com
> Powered by ForUsAll — modern 401(k) plans built for small and midsize businesses.

## Products
- **ForUsAll 401(k)**  
  https://www.forusall.com/  
  Affordable, automated retirement plan with payroll integration, advisor support, and crypto access.

- **Safe Harbor 401(k) Plans**  
  https://www.forusall.com/safe-harbor  
  Designed for companies to maximize tax savings and attract talent.

- **Advisor + Plan Enhancements**  
  https://www.forusall.com/  
  Products that enhance existing 401(k) plans.

- **Payroll Integrations**  
  https://www.forusall.com/  
  Seamless connectivity to 200+ payroll providers.

- **Crypto Window for 401(k)**  
  https://www.forusall.com/alt401k  
  Optional investment access to cryptocurrencies inside your 401(k).

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## 401(k) Calculators & Tools

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### **Safe Harbor 401(k) Calculator**  
https://www.forusall.com/401k-calculators/safe-harbor-calculator  
Estimate employer contributions, tax savings, and compliance outcomes.

**Webhook:**  
https://n8nhooks.forusall.com/webhook/safe-harbor-calculator  

**POST Payload (JSON):**
```json
{
  "employees": 50,
  "hces": 3,
  "avgSalary": 60000,
  "ownerCompensation": 200000,
  "safeHarborType": "basic",
  "contributionRate": 5,
  "taxRate": 30
}
```

**Field Rules**
- `employees`: integer (>= 1)
- `hces`: integer (>= 0, must not exceed employees)
- `avgSalary`: number (USD)
- `ownerCompensation`: number (USD)
- `safeHarborType`: `"basic"`, `"enhanced"`, `"nonelective"`
- `contributionRate`: number (0–10)
- `taxRate`: number (0–50)

---

### **401(k) Plan Cost Calculator**  
https://www.forusall.com/401k-calculators/plan-cost-calculator  
Estimate the cost of starting and maintaining a 401(k) plan.

**Webhook:**  
https://n8nhooks.forusall.com/webhook/plan-cost-calculator  

**Base POST Payload (JSON):**
```json
{
  "planType": "payroll",
  "participants": 0,
  "planAssets": 0,
  "advisoryFee": 0
}
```

**planType values**
- `"payroll"`
- `"advisor"`
- `"start"`

**Conditional Payload Examples**

**Start a 401(k):**
```json
{
  "planType": "start",
  "participants": 10,
  "planAssets": 0,
  "advisoryFee": 0
}
```
- `participants` required (>= 1)

**Advisor Plus:**
```json
{
  "planType": "advisor",
  "participants": 0,
  "planAssets": 500000,
  "advisoryFee": 0.3
}
```
- `planAssets` required (> 0)
- `advisoryFee` required (0.2–0.4)

**Payroll Integration**
- No additional required fields

---

### **Retirement Savings Calculator**  
https://www.forusall.com/401k-calculators/retirement-savings-calculator  
Project employee retirement savings and long-term outcomes.

**Webhook:**  
https://n8nhooks.forusall.com/webhook/retirement-savings-projections  

**POST Payload (JSON):**
```json
{
  "currentBalance": 55000,
  "currentAge": 30,
  "retirementAge": 67,
  "annualContribution": 15000,
  "contributionIncrease": 1
}
```

**Field Rules**
- `currentBalance`: number (USD)
- `currentAge`: integer (18–100)
- `retirementAge`: integer (18–100; must be > currentAge)
- `annualContribution`: number (USD)
- `contributionIncrease`: number (0–10)

---

### **Employer Match Cost Calculator**  
https://www.forusall.com/401k-calculators/employer-match-calculator  
Estimate the cost impact of different employer match formulas.

**Webhook:**  
https://n8nhooks.forusall.com/webhook/match-cost-calculator  

**POST Payload (JSON):**
```json
{
  "employees": 100,
  "hces": 5,
  "avgSalary": 60000,
  "participationRate": 85,
  "employerMatchPct": 5
}
```

**Field Rules**
- `employees`: integer (>= 0)
- `hces`: integer (>= 0, must not exceed employees)
- `avgSalary`: number (USD)
- `participationRate`: number (0–100)
- `employerMatchPct`: number (0–100)

---

### **All 401(k) Calculators**  
https://www.forusall.com/401k-calculators  

---

## Core Resources

### Guides & Knowledge Hub
- **Safe Harbor 401(k) Definitive Guide**  
  https://www.forusall.com/401k-resources/safe-harbor-401k-guide  

- **Safe Harbor 401(k) Blog Posts**  
  https://www.forusall.com/401k-blog/safe-harbor-401k-guide  

- **QACA Safe Harbor 401(k) Guide**  
  https://www.forusall.com/401k-blog/401k-qaca-safe-harbor  

- **Failure to Make Safe Harbor Contributions**  
  https://www.forusall.com/401k-blog/failure-to-make-safe-harbor-contribution  

### Blog & Learning Center
- **401(k) Blog Homepage**  
  https://www.forusall.com/401k-blog  

### Help & Support
- **FAQs**  
  https://www.forusall.com/faq  

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## Who We Serve
- Advisors & financial professionals  
- PEOs and HR partners  
- Startups and small businesses seeking modern retirement solutions  

## Company
- About  
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