Simple, affordable
Safe Harbor 401(k).

A Safe Harbor 401(k) is designed for companies looking to attract top talent or maximize tax savings for owners.  Best of all, it reduces administrative work.

Simple, Affordable, Safe Harbor 401(k).

Easy set up!

Sign Up

Create an account and tell us a little about your company.


We’ll help you customize the plan and integrate payroll with a few clicks.

Go live

Set the date for the company kickoff webinar!

More automation, more help,
more choices,

Fully integrated

Connect to 200+ payroll providers.

Automated admin

Sit back and let us do the work.

Fiduciary protection

3(38) investment and 3(16)admin fiduciaries.

Financial advisors for everyone

Holistic financial advice and education covering 401(k)s, debt, budgeting and more.

Low-cost investments

A core menu of mutual funds with fees
as low as 0.02%

More opportunities for growth

Unlock freedom of choice with self-directed brokerage and crypto windows.


We keep it simple for you and don’t charge setup fees. That’s because low fees mean more saving – which is the whole point of a 401(k).

Unlock the power of investment choice

Simple core menu with optional self-directed windows provide more opportunities for potential growth, diversification and customization.  Access to stocks, bonds, ETFs and even crypto. 

DAVE, our virtual advisor

DAVE gives your employees smart, actionable answers to their questions and is a valuable supplement to ForUsAll's human advisors.

Stay compliant, automatically

Fully-automatic administration that comes with full fiduciary protection: 3(38) Investment Fiduciary + 3(16) Administrative Fiduciary.

Base fee
+$6/mo per participant
Expanded investment options
Auto admin & payroll Integration
Compliance protection
Financial advisors for every employee
Advanced plan design (Profit sharing, cash balance plans and more)
Get Started

Go beyond a basic 401(k)

Give your employees more than just a 401(k), join the movement.

Happy employees with a 401(k) they deserve offering more choice more growth.


Stuck in the FAQ Vortex? Let's find your answer! If you still can’t find it, give us a shout, we're always here to help.

What is a Safe Harbor 401(k)?

A safe harbor plan is a type of 401(k) where employers commit to a minimum employer contributions in exchange for automatically passing key IRS non-discrimination tests. With a safe harbor plan, employers can choose to offer a match (typically 4%) or non-elective contribution of 3%.

What types of safe harbor plans are there?

Basically, you have three options for safe harbor contributions: (1) Basic match; (2) Enhanced match; or (3) Non-elective. With the basic match, the company matches up to 4% of eligible employee pay in tiers. You match 100% on the first 3% employees contribute, plus 50% match on the next 2% they defer. For example, if an employee earns $50,000 and saves 4% of their pay ($2,000), you will first match 100% of the first 3% they saved ($50,000 x 3% x 100%=$1,500) plus 50% on the next 1% they save ($50k x 1% x 50%=$250). The total match would be $1,750 ($1800 + $300). Great for Companies on a budget that expect low participation. With an enhanced match, the company matches at least 100% of the first 4% that employees contribute. You can increase your match rate as high as you’d like (e.g., 200% of employee contributions) but you can’t require employees to save more than 6% of their pay to get the full match. Enhanced matches are great for companies looking to attract and retain top talent. With a nonelective Safe Harbor, the company contributes 3% or more of each employee’s pay, regardless of whether or not the employee saves in the plan. For example, if an employee makes $70,000, you will have to contribute $2,100 even if they don’t save anything in the plan. A non-elective is great for companies on a budget that expect high participation or owners that want to maximize tax-savings by adding a profit-sharing plan.

How can I offer a safe harbor plan on a budget?

First, Secure Act 2.0 provides valuable tax credits which may cover all of the admin fees and up to $1k per employee that receives a contribution. Second, you can require employees to work at the company for a year before they are eligible for the company contribution. Lastly, consider the non-elective - which is cheaper than the basic match when participation is above 75%.

What options do I have for safe harbor vesting?

The basic match, enhanced match and nonelective contributions all must vest immediately. That said, you can make additional contributions (profit-sharing or match) with vesting schedules as long as 6 years.

How do safe harbor plans help with annual non-discrimination testing?

Safe harbor contributions allow employers to automatically pass the actual deferral percentage test (ADP test) and the actual contribution percentage test (ACP test) if only safe harbor contributions are made. You may also automatically meet the top-heavy requirements.

When can a company set up a safe. harbor plan?

If you are starting a new safe harbor plan with a match, employees need to be able to contribute at least 3 months - so set up the plan in September to be safe so that it is live by 10/1. If you are starting a non-elective safe harbor you have until December 1 to start the plan. However, if you are modifying an existing plan, you must amend your existing plan and send notices by 12/1.

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This material has been prepared for informational and educational purposes only and should not be construed as a recommendation by ForUsAll, Inc., its affiliates or employees (collectively, “ForUsAll”)  to activate a cryptocurrency window or invest in crypto.  Investing in crypto can be risky and investors must be able to afford to lose their entire investment.  You should consult with your own advisers before activating a cryptocurrency window or investing in crypto.  ForUsAll does not provide legal, tax, or accounting advice. Please refer to your Plan's fee disclosure for more details.© 2023 ForUsAll, Inc. All rights reserved.
1 Schwab 2022 401(k) Participant Study - Gen Z/Millenial Focus, October 2022.
2 As of 12/31/2022. Employees include both current employees and terminated participants with a balance.
3 "Morgan Stanley At Work: The Value of a Financial Advisor" Morgan Stanley, March 2022.
4 Sarah Britton was a client when she provided this testimonial through an independent third party review website. She received no compensation for her remarks. There are no known conflicts of interest in the provision of her comments related to the services provided.