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A SIMPLE IRA is an employer-sponsored retirement plan offered within small businesses that have 100 or fewer employees. SIMPLE is an acronym for savings incentive match for employees. Small businesses may favor SIMPLE IRAs because they are a less expensive and less complicated alternative to a 401(k) plan. But there are some distinct rules.
Safe Harbor 401(k) The last thing you need is added complexity when it comes to running your business. A Safe Harbor 401(k) can be a complicated retirement plan option â so let us take the guesswork out of the equation. We'll help you understand how it works.