IRS-approved 401k Easy Docs prototype

Our IRS-approved 401k Easy Docs prototype documents package allows for significant customization.

Each 401k Easy Docs prototype includes an IRS-approved prototype 401k plan that we customize to your specific needs and objectives. Ours is NOT a cookie-cutter, take-it-or-leave it, one-size-fits-all document system, like most other prototype plan document packages designed for small businesses.

Things your company defines for its 401k Easy Docs plan include:

• Your 401k participation eligibility requirements
• Your 401k employer matching contribution formula, should you choose to include such contributions
• Your 401k employer profit-sharing contribution formula, should you choose to include such contributions
• Your 401k employer qualified nonelective contribution formula, should you choose to include such contributions
• The vesting formula(s) to be applied to any employer matching and/or profit-sharing contributions, should you choose to include such contributions (qualified nonelective contributions are, by law, 100% vested when made)
• The 401k investments you want to offer
• Your 401k loan policy, should you choose to include 401k loans in your 401k plan
• Your automatic enrollment default investment choice and contribution rate, should you choose to use automatic enrollment in your company plan
• Whether or not your plan will be run by the safe harbor method of 401k plan administration and, if so, applicable employer contribution formulas

We offer free help with understanding each of your 401k plan customization options, so you can make educated decisions as to what will be best for your company and its employees. For help with specific topics, we recommend completing the appropriate Order Form (use the tabs at the top of this page to access the relevant form) and mark "Unsure. Please contact..." for relevant items.

Completing an Order Form IN NO WAY obligates you to purchase anything; it simply gives us the information we need about your company's size, etc., to answer questions regarding your potential 401k plan.

Within parameters set by law, you can have us also edit your prototype 401k Easy Docs plan down the road. You are never locked into the decisions you find suitable today. (For any edits you later have us make to your 401k Easy Docs plan, we charge only $195.