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Retirement PlansCognis Group

How do we structure a 401(k) plan to avoid failing annual IRS non-discrimination testing?

Direct answer

A Safe Harbor 401(k) design automatically passes IRS non-discrimination testing, letting owners maximize contributions.

By implementing a Safe Harbor 401(k) design, your practice automatically passes these IRS tests. This ensures that you, as the owner, can fully maximize your personal annual contributions regardless of how much your staff chooses to save.

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