{"id":3578,"date":"2022-02-15T23:41:46","date_gmt":"2022-02-16T03:41:46","guid":{"rendered":"https:\/\/www.incsight.net\/?p=3578"},"modified":"2026-07-08T18:43:44","modified_gmt":"2026-07-08T23:43:44","slug":"what-is-a-safe-harbor-401k-or-qaca-safe-harbor-401k","status":"publish","type":"post","link":"https:\/\/www.incsight.net\/blog\/2022\/02\/15\/what-is-a-safe-harbor-401k-or-qaca-safe-harbor-401k\/","title":{"rendered":"What Is a Safe Harbor 401k or QACA Safe Harbor 401k?"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section preset--module--divi-section--default\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default\"><div class=\"et_pb_text_inner\"><p><span>When we are working with businesses that are leaning towards the 401k route we traditionally see them organize into a Safe Harbor 401k or QACA Safe Harbor 401k.<\/span><\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default\"><div class=\"et_pb_text_inner\"><h3>What Is A Safe Harbor 401k?<\/h3>\n<blockquote>\n<p>A\u00a0<strong>Safe Harbor 401(k<\/strong>) plan is a type of\u00a0<strong>401(k<\/strong>) with an employer match that allows you to avoid most annual compliance tests.<\/p>\n<\/blockquote>\n<ul>\n<li><strong>Contributions and Matching\u00a0<\/strong>\n<ul>\n<li>Contributions up to\u00a0<strong>$19,500<\/strong>\u00a0for 2021.<\/li>\n<li>Allows employer &amp; highly compensated employees to maximize their own contributions.<\/li>\n<li>Pre-approved IRS matching &amp; vesting schedules.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Tax Advantages<\/strong>\n<ul>\n<li>Employer contributions are deductible business expenses.<\/li>\n<li>Elective contributions and investments gains may enjoy tax deferral until distribution.<\/li>\n<li>Offers both pre-tax and Roth options.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Filing and Compliance<\/strong>\n<ul>\n<li>Requires annual 5500 filing.<\/li>\n<li>A Safe Harbor 401(k) allows the plan sponsor to automatically pass certain annual compliance testing to ensure IRS compliance.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>What Is A QACA Safe Harbor 401k?<\/h3>\n<blockquote>\n<p>Qualified Automatic Contribution Arrangements (QACAs)\u00a0<\/p>\n<\/blockquote>\n<ul>\n<li><strong>Main Differences<\/strong>\n<ul>\n<li>QACA requires auto-enrollment and with that the employer may receive an additional $500 tax credit.<\/li>\n<li>Matching Schedule is 3.5%<\/li>\n<li>Vesting Schedule is 2 years.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>If you are looking for professional advice and help in this area, we work directly with Life, Inc Retirement Services.\u00a0<strong><a href=\"https:\/\/lifeincrs.com\/tax-savings-podcast\/\" target=\"_blank\" rel=\"noopener noreferrer\">Visit this page to get connected!<\/a>.<\/strong>\u00a0<\/p>\n<p>On the link above you can setup a call to connect with an expert and get started right away. There is also a retirement plan evaluator which will guide you towards the best plan for your business.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default\"><div class=\"et_pb_text_inner\"><ul>\n<li style=\"list-style-type: none;\">\n<p><strong>The Time Is NOW To Start Paying Less In Taxes.\u00a0<\/strong><strong>Join<span>\u00a0<\/span><span>TaxElm<\/span><span>\u00a0<\/span>and start eliminating taxes and growing your wealth!<\/strong><\/p>\n<p>What you'll get:<\/p>\n<ul>\n<li><strong>Tax Savings Blueprint and Training:<\/strong><span>\u00a0<\/span>This is your roadmap to hit the ground and start implementing. Know exactly which strategies are relevant to you and which ones you should focus on first! Then dive into the training library with content, videos, downloads, guides, templates, etc. and start implementing right away!<\/li>\n<li><strong>Unlimited Access to Tax Experts:<\/strong><span>\u00a0<\/span>Got a specific question about a tax rule? You\u2019ll have unlimited messaging access directly with-in the software to our team of tax experts to get the accounting and tax answers you need.<\/li>\n<li><strong>Annual Comprehensive Consultation:<\/strong><span>\u00a0<\/span>Once a year you get a live meeting with a tax expert to discuss anything tax savings you would like. This is your time to get your questions answered live 1-on-1.<\/li>\n<li><strong>Annual Tax Return Review:<\/strong><span>\u00a0<\/span>Each year, upload your prior year tax returns, and our expert team will meticulously analyze them to generate a custom report highlighting key findings and actionable savings strategies tailored to your specific tax situation.<\/li>\n<li><strong>Monthly Webinars and Training:<\/strong><span>\u00a0<\/span>Every month, we host a live, virtual training session on a key tax topic. Join us live and bring your questions or view the training on your own schedule (recordings are added to the tax training library).<\/li>\n<li><strong>Partner Directory and Discounts:<\/strong><span>\u00a0<\/span>You get exclusive, members-only rates and access to our expert referral network for accounting, bookkeeping, tax preparation, payroll, financial planning, legal, retirement planning, tax resolution, and more!<\/li>\n<li><strong>TaxElm Guarantee:<\/strong><span>\u00a0<\/span>We will present tax saving strategies that will, at a minimum, cover the cost of your subscription fee or your money back!<\/li>\n<\/ul>\n<p>It is like having a tax\u00a0strategist walking with you along this entrepreneurial journey!<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_1 et_pb_row et_block_row\">\n<div class=\"et_pb_column_1 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_0_wrapper preset--group--divi-button--divi-font--h1vi52x--default_wrapper\"><a class=\"et_pb_button_0 et_pb_button et_pb_bg_layout_light et_animated et_pb_module et_block_module preset--group--divi-button--divi-font--h1vi52x--default\" href=\"https:\/\/taxelm.com\/?via=incsight\">Join TaxElm<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":3579,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"categories":[32,40,56,52,39,55,36,51,33,48],"tags":[47,42,65,64,46,45],"class_list":["post-3578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","category-banking","category-business","category-irs","category-operations","category-reimburse","category-small-business","category-tax-planning-strategy","category-taxes","category-year-end-strategies","tag-2021-tax-deductions","tag-blog","tag-capitalization","tag-depreciation","tag-small-business-tax-deductions","tag-tax-deductions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is a Safe Harbor 401k or QACA Safe Harbor 401k?<\/title>\n<meta name=\"description\" content=\"Want to skip 401k nondiscrimination testing? 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