Employer Resources

401(k) Plan Options


Operating a 401(k) retirement plan can be a lot of work, and employers may not have time in the day to adequately monitor plan performance and participant outcomes. Enter CoPilot. CoPilot was designed to help employers save time on plan administration responsibilities and reduce investment fiduciary risk, while helping employees reach their retirement goals. 

Employees enrolled in a retirement plan value education—especially when it comes to their 401(k). Pass this info sheet out at enrollment meetings to highlight the important CoPilot 401(k) plan details that employees will want to know.

Whether you’re just starting your first 401(k) or you’re working with an existing plan holding lots of assets, Open Architecture offers flexible investment options to fit your needs.

Ideal for owner-only businesses and partnerships, Plan4One 401(k) plans operate just like large company 401(k) plans—allowing you to decide how much you’d like to contribute as both the employee and the employer.

Whether you’re looking to attract and retain employees, lower your tax bill, or simply enhance your staff’s retirement outcomes, there are plenty of reasons to choose a 401(k) plan for your retirement solution.

Planning for a comfortable retirement is a major concern among American workers—one that many expect their employers to help out with. And while the employer benefits of sponsoring a 401(k) are numerous, they aren’t always obvious.

Having a hard time choosing the retirement savings plan that’s the best fit for you and your business? Learn more about the key similarities and differences between common retirement savings options, including 401(k), SIMPLE IRA, and SEP IRA.

  • Employer Contribution Options for 401(k) Plans (pdf)

    Funding employer contributions into your employees’ 401(k) accounts comes with many benefits, and as the employer, you can choose which contribution options are best for your plan. Learn more about the discretionary contribution options available to you.

Payroll Integration

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There are many benefits of integrating payroll with your 401(k) plan—saving you time and money, reducing manual errors, and minimizing your administrative tasks as the employer. Download this information sheet to learn all about the benefits of payroll integration and find out what the integration process looks like.

PAi has partnered with multiple payroll providers to offer a fully-bundled retirement solution to employers. Learn about our payroll partners and integrated software platforms to find the one that works best for your business.

Plan Compliance

Small businesses often face unique challenges when it comes to operating a retirement plan—namely successfully passing the required non-discrimination testing. Safe Harbor plans are designed to automatically satisfy specific IRS non-discrimination tests, which can minimize the contribution restrictions often imposed on owners and top-tier employees.

Stay on track with all of the compliance dates and deadlines you need to know as an employer sponsoring a retirement plan.

To maintain a tax qualified status, 401(k) plans must undergo and pass a variety of compliance tests. Learn more about the 401(k) compliance tests the plan will need to pass, including non-discrimination, coverage, and top heavy testing.

Employers sponsoring a retirement plan are responsible for keeping fees low for employees enrolled in the plan, so when it comes to plan fees and disclosures, transparency is paramount. Learn more about Sub-TA and 12b-1 fees and how they may be charged to your plan.

  • Automatic Enrollment Overview (pdf)

    Lack of employee participation can be an issue for any retirement plan, regardless of plan size. However, studies have proven that utilizing automatic enrollment can increase participation rates by up to 15 percent—putting employees closer to the path of retirement readiness. Use this guide to learn about PAi’s automatic enrollment process and the benefits of automatic enrollment.

Many 401(k) plans are required to undergo an annual audit of the plan’s financial statements to provide employers with a deeper understanding of their fiduciary responsibilities. Use this resource to learn answers to frequently asked questions regarding annual 401(k) audits.

Retirement plans have regulated maximum contribution limits, which are adjusted each year by the IRS to keep up with the ever-changing average cost of living. Learn more about adjusted 401(k) plan contribution limits for 2019 and years past.

  • 2019 Sales Deadlines (pdf)

    Setting up a new 401(k) retirement plan or converting an existing plan can be time-sensitive, so it’s important to stay up-to-date on upcoming sales deadlines—especially as year-end approaches.

Fiduciary Responsibility

Many employers that sponsor a retirement plan face confusion and uncertainty regarding their own fiduciary responsibilities related to the plan, but the reality is that every retirement plan sponsor is a fiduciary. Employers have a multitude of duties and responsibilities as the plan's fiduciary, and it's vitally important that they are aware of and understand those responsibilities.

Many employers with a retirement plan face confusion regarding whether or not they act as the plan’s fiduciary. Learn more about what a fiduciary is, how it affects you as the employer, and what that ultimately means for the retirement plan.

CoPilot Workplace Savings IRA

Choosing the retirement plan that’s going to be the best fit for your business can be difficult, especially when there are many viable options to choose from. Learn about the key benefits of CoPilot 401(k) and CoPilot IRA, then compare the similarities and differences between both retirement savings plans with this visual guide.

Learn about the benefits, features, and pricing for CoPilot’s newest retirement solution: the CoPilot IRA.

Help your employees get started on the path to retirement readiness by educating them on the features and benefits of the CoPilot IRA retirement savings solution.

Looking for Spanish-speaking materials? We now offer several translated forms and guides, available by logging in.

¿Buscas materiales en español? Ahora ofrecemos varios formularios y guías traducidos, disponibles al iniciar sesión.