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Employee benefits of participating in a 401(k)
A 401(k) offers many advantages from an employee’s perspective
Payroll deduction, automatic enrollment, and automatic escalation features make it easy for employees to participate in a 401(k).
In a traditional 401(k) plan, an employee who is eligible to participate may elect to have a portion of their salary deducted from their paychecks and contributed to their plan account.
They only need to make this election once, and it remains in effect until they change it. Plans that are designed with automatic enrollment will automatically enroll all eligible employees into the plan at a set savings rate unless the employee elects to change or stop the contributions. Some plans also contain a feature that will automatically increase employees’ saving rates on a periodic basis unless an employee opts out of the feature.
A 401(k) plan has higher contribution limits than an IRA, enabling employees and business owners to build a significant retirement nest egg faster.
“I find Ubiquity quite easy to work with. Being a small business, it is so nice to be able to call and receive help over the phone. Tony is very personable and knowledgeable. ”
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