Gourt > Business > Human Resources > Compensation and Benefits > 401k and Retirement
The 401(k) plan is a type of employer-sponsored retirement plan named after a section of the United States Internal Revenue Code. A 401(k) plan allows a worker to save for retirement while deferring income taxes on the saved money or earnings until withdrawal. Comparable types of salary-deferral retirement plans include 403(b) plans covering workers in educational institutions, churches, public hospitals, and non-profit organizations and 457 plans which cover employees of state and local governments and certain tax-exempt entities.
As an employee benefit, a 401(k) must be sponsored by an employer, typically a private sector corporation. A self-employed individual can set up a 401(k) plan and, until 1986, a government entity could do so as well. The employer acts as a plan fiduciary and is responsible for creating and designing the plan, as well as selecting and monitoring plan investments. (In practice, nearly all employers outsource all of this work to one or more financial services companies, such as a bank, mutual fund, third party administrator, or insurance company.)
The employee elects to have a portion of his or her wage paid directly, or "deferred", into his or her 401(k) account. In trustee-directed 401(k) plans, the employer appoints trustees who decide how the plan's assets will be invested. In participant-directed plans (the most common option), the employee can select from a number of investment options, usually an assortment of mutual funds that emphasize stocks, bonds, money market investments, or some mix of the above. Many companies' 401(k) plans also offer the option to purchase the company's stock. The employee can generally re-allocate money among these investment choices at any time.
More on [ 401(k) ]
Retirement Investing Planning
Compensation and Benefits :: Human Resources
Retirement :: Personal Finance
2009…Market Rally Despite High Unemployment - Weekly Retirement …: Retirement, IRA and 401k Rollover Resource. .. http://bit.ly/5p4pSO
begonae (Begonia Yasmin) Sat, 02 Jan 2010 01:07:43 -0000
2009…Market Rally Despite High Unemployment - Weekly Retirement …: Retirement, IRA and 401k Rollover Resource. .. http://bit.ly/5p4pSO
Blog Post: Retirement Investment Issues: The Most Essential Things To Consider About 401K And IRA http://bit.ly/5nDifE
postarticles (Ann Levy) Sat, 02 Jan 2010 00:32:12 -0000
Blog Post: Retirement Investment Issues: The Most Essential Things To Consider About 401K And IRA http://bit.ly/5nDifE
[Blog] Retirement Investment Issues: The Most
404
Associates - 401k retirement plans by RG Wuelfing Associates, Simsbury, CT
Investment Services - Retirement plans: 401(k) Plans, 457 Plans, Profit Sharing Plans, Money Purchase Plans and age-weighted or comparability plans.
Meta Description: [ Pan american life insurance company offers financial planning services, affordable low cost life insurance, disability insurance, brokerage services, retirement planning, and international financial services. ]
Omega Financial Management Consultants, Inc. - Regional employee benefits consulting and Registered Investment Advisory firm offering employment benefit services, asset management services and trust consulting.
Meta Description: [ Alpha & Omega Financial Management Consultants, Inc. is a Regional Employee Benefits Consulting and Registered Investment Advisory firm offering: Employment Benefit Services, Asset Management Services,Trust Consulting ]
401k Buyer's Guide - Helps choose a 401k plan and 401k providers. Includes 401(k) resources.
Meta Description: [ 401k Plans buying advice and free quotes from leading local and national vendors. ]
401k Center - Information and tools for employers on 401k retirement plans. Specializing in plan design, administration and communication.
Meta Description: [ Welcome to the world of 401k plans! If you want to know how to get the best 401k plan for your company you have come to the right place. ]
401k Easy - Run your company 401k right from your own offices using 401(k) Easy software ideal for small and mid-size plans
Meta Description: [ Small businesses--save money using run-it-yourself 401k administration software, no-load funds and participant-directed brokerage accounts. ]
401k Help Center - A comprehensive resource site for retirement plan sponsors, small business owners and plan participants. This site gathers together significant 401k resources and information from across the internet and puts it in one place.
Meta Description: [ Need help with 401k plan rules and other issues? We have answers for plan sponsors, small business and plan participants. Free, unbiased and informative. ]
401k Plan Online Retirement Guide - Information for employers and employees about 401k Retirement Plans and Rollovers
Meta Description: [ 401k rollover and company rule info - contribution, limit, loan, withdrawl, tax deduction and calculator help. ]
401kExchange.com Inc - Objective online 401(k) industry exchange and due diligence service, specifically created for the benefit of 401(k) Plan Sponsors, Employers, Retirement Advisors and Service Providers.
Meta Description: [ A marketing research company that rates 401k plans and offers retirement information and estate planning. ]
401Konnect - 401Konnect is the authoritative source for information on 401(k) plans and is designed for plan advisors and employers.
Administrative Retirement Services, Inc. - Independent full service administrative firm. We offer a wide variety of services and investment solutions to Retirement Plans.
Administrative Systems, Inc. (ASI) - ASI is a provider of employee benefit tax reporting, magnetic filing and check printing services and software.
ADP Retirement Services - Combines leading providers of investment and trustee services with unsurpassed recordkeeping capabilities to create a seamless retirement plan solution.
Meta Description: [ ADP Retirement Services provides 401(k), SIMPLE IRA retirement plan solutions and administration as well as premium-only (POP) and executive deferred compensation plans for owner-only, small, mid-sized and large business. ]
ALI Actuarial and Retirement Plan Services - Actuarial, pension, and 401(k) plan design administration; investment services, accounting services, and investment advisors.
Meta Description: [ Actuarial and Retirement Plan Services. Defined Benefit Pension Plans. Defined Contribution Plans and 401k Plans. Retirement Plan Design and Administration. Divorce Calculations. Other Pension Consulting Services. Inexpensive and Fast. ]
Bauman, Noonan and Associates - 401(k), pension and profit sharing plans
Benefit Investment Group, Inc. - 401(k) administration, consulting, outsourcing, third party administration.
Meta Description: [ 401(k) Administration, Consulting and Outsourcing ]
benefitStreet.com - benefitStreet.com is a provider of employee benefits, including 401k and Section 125 Cafeteria plans, to small and medium size businesses throughout the United States.
Meta Description: [ BenefitStreet delivers unprecedented functionality in on-demand solutions for comprehensive financial services and group benefits management and administration solutions. ]
Chautauqua Plan Administrators - A third-party retirement plan administration firm.
Meta Description: [ Chautauqua Plan Administrators is a third party retirement plan administration firm. Our pension administration services include 401(k) Profit Sharing Plan Compliance and Discrimination Testing, employee database maintenance, and government reporting. ]
500
Circle Trust Company - Mutual fund trading, retirement investments, assets management, trust services and self-directed brokerage.
CitiStreet Success 401(k) - Full-featured online 401k retirement plans for small and medium sized businesses. Choose from a diverse selection of fund families.
Meta Description: [ 100% online 401k plans for your small business. Provide retirement benefits comparable to those found in the big corporate 401(k) plans. Affordable and easy to set up ]
Comberford Trust - Pension fund services, trainers to pension fund trustees in accounting, scheme disclosure, and administration.
Meta Description: [ Pension Fund Trustee Services, Trustee training, accounting, disclosure and administration ]
500
Contemporary Pensions and Insurance Services, Inc. - Designs, installs, and administers employee benefits including tax-qualified pension, profit sharing, cafeteria, group insurance, and 401(k) plans.
db65.com - Design Keogh defined benefit pension plans for US self-employed individuals.
Meta Description: [ db65.com designs Keogh defined benefit Pension Plans for self-employed individuals in the United States. ]
EKeogh - Information on the subject of qualified Keogh Plans.
Meta Description: [ eKeogh is provided by Entrust Administration to give specific information on the subject of Qualified Plans (Keogh Plans) ]
Fast401k - Online 401k services for small to medium size businesses.
Meta Description: [ Prime k is the leader in offering online 401(k) Plans. We empower small businesses to establish, manage, and maintain institutional-quality retirement plans, without the headaches associated with traditional plans. Prime k is the first completely independent, unbiased, 401(k) Plan on the internet. ]
Fix401k.com - A division of Associates in Excellence offering new and take-over 401(k) plans.
Meta Description: [ Fix401k, a division of Associates in Excellence, specializes in fixing troubled 401k plans and setting up new 401k plans. ]
500
IDPM Group,Inc. - The IDPM Group provides U. S. government employees with current and accurate federal retirement benefits information.
Meta Description: [ The Government Educational Services provides U. S. Government employees with current and accurate federal retirement benefits information. IDPM offer workshops, seminars, and personalized computer analysis of benefits and one-on-one counseling with a federal benefits specialist. ]
Impact401k.com - Build an online 401K retirement plan - designed for small to medium-sized businesses.
Invesmart - Invesmart is the nation's largest independent, full-service retirement financial services company.
JF Actuarial Services, Inc. - Complete 401k daily recordkeeping, cross-testing, and defined benefit pension administration services, specializing in Vanguard and other no-load mutual funds.
John Mulligan and Associates - Executive search firm specializing in national placement of employee benefit specialists in 401(k), defined contribution administration, marketing, sales, investments, product development, and project management.
Key Financial Administrators - Indianapolis based pension consulting firm specializing in expert plan design and administration of daily-valued 401k and other qualified retirement plans.
Meta Description: [ ira account simple traditional aarp.com sep pers real estate investment ]
Matthews Benefit Group - This firm provides plan design, administration software, and benefit education to the CPA and financial planning industry. MBG is an independent consulting and retirement plan administration firm.
Metro Benefits - Pittsburgh and Virginia based pension and defined benefit plan administrator.
Meta Description: [ 401k Administration, Actuarial Services, Pension Services. ]
Micro401k Services - 401k plan for small businesses. Featuring over 2,200 no-load mutual funds from over 300 fund families. Online and toll-free access.
Meta Description: [ 401k plan designed for small business of any size. All of our 401k plans, whether you have one employee
or 1,000, recieve the same service and large plan features. ]
Middelstaedt and Associates, Inc. - An attorney and pension plan administration specialist.
Meta Description: [ Laws regulate what percentage of the work force must be covered under an employer pension plan, the rate at which employees ]
Pension Dynamics Corporation - 401(k) and Pension Plan Administration, flexible benefit plans, employee benefits, and compliance testing.
Meta Description: [ Pension Dynamics offers benefits administration outsourcing for 401k retirement, flexible benefits, reimbursement accounts and COBRA plans.”>
Pension Specialists, Inc. - Designs, installs and administers qualified retirement plans including daily valued 401(k) plans.
Meta Description: [ Home ]
Plan Design Consultants, Inc. - A third party administration company: daily-valued 401(k) plans, Cafeteria (or Sec 125) plans, Profit Sharing and other retirement plans. Over 300 investment options from 20 fund families. Specialize in 401k plans for Internet and high tech start-ups.
Meta Description: [ 401(k) Plan Retirement Consultants and administrators of daily-valued, multiple mutual fund family 401(k) plans. administrators of pension and profit sharing plans. Services provided throughout the USA. ]
PLANSPONSOR.com - Web site for managers of pension and 401(k) retirement plans
500
Redwood Administrators, Inc. - Third-party administrator of tax-qualified retirement plans and other benefit programs. Founded and operated by employee benefits attorneys.
Meta Description: [ Specializing in retirement plan design consulting, new comparability plans, one person 401(k) plans, and other traditional defined contribution or defined benefit plans. ]
Retirement Educators - A unique muti-lingual web based service which enables 401(k) plan providers and sponsors to furnish company employees with access to their company's plan highlights along with the ability to ask questions and receive quick response e-mail answers.
Meta Description: [ Retirement Educators offer retirement plan providers the most cost-effective, professional
and efficient way of covering their employee retirement education meetings. ]
Retirement Essentials, Inc. - Consulting firm offering information on how and why to create a 401k, IRA, SARSEP, SEP, or Keogh.
Meta Description: [ Third party retirement plans administrator. ]
Retirement Strategies Group - Retirement Strategies Group, a Third Party Administrator, provides retirement plan design, administration for qualified retirement plans such as 401(k), Profit Sharing, Money Purchase Pension Plans
Secured Retirement Incorporated - Retirement plan installation and administration for 401(k), profit sharing, money purchase pension, and defined benefit pension plans.
Super Trust of New Zealand - Retirement savings vehicle for individuals and employers, in the form of a master trust established by Jacques Martin New Zealand.
Swerdlin and Company - An actuarial and employee benefits consulting firm in Atlanta, Georgia.
Meta Description: [ Swerdlin and Company - Pension Actuaries and Employee Benefit Consultants located in Atlanta, Georgia. Our primary objective in providing actuarial and employee benefit consulting services is to ensure only the highest quality, most professional and completely independent advice to our clients. ]
Technical Answer Group, Inc - TAG provides support to employee benefits professionals. Subscribers receive access to the comprehensive ERISA library and other pension resources. The experts provide answers to questions relating to qualified retirement plans, ERISA, DOL and IRS issues.
The Heintzberger Company - Provider of design, administrative, and consulting services for retirement plans and trusts.
Meta Description: [ HPnorthwest provides high quality design, administrative, and consulting services for retirement plans and trusts - from 401(k), 403(b) and 457 plans to ESOP's, defined benefit pension plans, and non-qualified trusts. ]
The Nyhart Company - An employee benefit and actuarial firm providing health care administration, defined benefit plans, defined contribution plans and section 125 cafeteria plans.
The Pension Show - A new launch incorporating both a conference and exhibition aimed at key personnel within the UK corporate pensions market
Meta Description: [ The Professisonal Pension Show 2006 ]
The Personal Financial Education Company, Inc. - A Maryland based provider of personal financial education, 401(k) vendor search and investment advisory services.
Meta Description: [ The PFE Group, based in Southborough MA, is a fee-for-service consulting firm. Founded in 1996, The PFE Group is uniquely qualified to assist your organization's retirement plan needs: Retirement Plan Investment Advisory and Fiduciary Oversight, Retirement Plan Provider Search, Retirement Plan De... ]
The Recordkeeper Ltd. - Canadian firm - Third party administration of defined benefit pension plans and defined contribution plans.
Meta Description: [ The Recordkeeper - Third Party Administration with a difference. ]
The SafeSolo 401K Plan - Diversifed 401K plan designed for small business. Includes faith-based investment options.
Meta Description: [ Find The Best Solo 401k Plans, Individual Plans, Retirement, Business Owner Plans ]
TSA Consulting Group - Education compliance monitoring of qualified non-qualified retirement plans for public employers. 403b/403b7 tax sheltered plans/annuities; 401k plans; 401a terminal pay or incentive plans; 457 deferred compensation plans.
Meta Description: [ provides administration to public school district and college 403(b) plans and IRS compliance services and employee education ]
| 401(k) Fair Disclosure for Retirement Security Act of 2009: Julian Onorato | |
| Next Video | |
