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Here's a quick and easy guide to determining which is the best fit for your business and employees. It includes basic facts about different types of plans, with features and benefits of plans administered by Vanguard. All investing is subject to risk, including the possible loss of the money you invest.
Excellent method to maximize tax deferral. Can contribute as employer and employee. Vanguard is one of the few investment companies to offer a Roth k option. Great option if you're looking to offer your employees all the tax, savings, and retirement benefits of a typical k.
Employers who can provide this option Any business that doesn't currently maintain any other retirement plan. Sole proprietors or partners with no common-law employees. Any business with one employee or more. You can also choose less restrictive requirements. Otherwise, no age or service restrictions.
Based on employer plan rules. Generally must be offered to all employees at least 21 years of age who worked at least 1, hours in the previous year. Funding responsibility Generally, employer contributions only. Contribution options Employer can decide whether or not to make contributions from year to year. Employee can decide how much to contribute. Employer can make additional contributions, including matching contributions, as set by plan terms.
Contributions are deductible as a business expense and aren't required every year. Contributions are deductible as a business expense and are required every year the plan operates. Employees aren't required to contribute in any given year. Approximately 10, non-Vanguard funds. An employee may initiate a withdrawal at any time, subject to current federal income taxes.
Vanguard's Individual k program doesn't offer loans. No IRS reporting required. No employer IRS reporting required. Bank or financial institution does most of the paperwork. Our program includes a prototype plan document and adoption agreement for employers to use to set up their plans. Annual filing of Form may be required. Plan sponsors have various administrative and fiduciary responsibilities. Vanguard Retirement Plan Access provides day-to-day plan sponsor support, recordkeeping, and compliance services such as real-time compliance testing and Form preparation.
Call Vanguard at for more information. Related topics Add our funds to your plan. Call us at Monday to Friday 8 a. An employee other than an owner, a business partner, or a shareholder of a corporation and their respective spouses. Independent contractors are not employees. Works well for business owners who prefer to provide a retirement benefit to all employees including themselves by making employer contributions. Generally, employer contributions only.
Employer can decide whether or not to make contributions from year to year. May set up plan by completing Form SEP.