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401(k) Challenges

401(k)s can be unexpectedly complex. Many 401(k) plans expect participants to choose investments, distinguish between funds, and select strategic savings rates. In short, if you feel confused by your plan, you're not alone. Learn to be a better 401(k) investor here.

Featured Articles

What is Form 5330?

If you’ve been told you need to file a Form 5330, you’re probably wondering what it is and why you need to file it.

True-Ups: What are they and how are they determined?

You've been funding 401(K) matching contributions, but you just learned you must make an additional “true-up” contribution. What does this mean and how was it determined?

Do I need QNECs & QMACs in my 401(k) plan?

QNECs and QMACs are a special type of contribution employers can make to correct certain compliance errors in their 401(k) plans without paying IRS penalties.

Recent Articles

Thinking of Changing 401(k) Providers? Here’s What You Should Know

If you’re considering changing 401(k) providers, be sure to spend some time assessing your current situation and prioritizing your criteria.

Pros and Cons of Safe Harbor and Traditional 401(k) Plans

Both types of plans can successfully help employees save for retirement, but each has its pros and cons. Learn which type of plan might be better for your organization.

All About Vesting of Employer Contributions

Employers have flexibility in defining their plan’s vesting schedule, which can be an important employee retention tool.

401(k) Glossary of Terms

Whether you're offering a 401(k) for the first time or need a refresh on important terms, these definitions can help you make sense of industry jargon.

What is a 401(k) Plan Restatement?

Every six years, the IRS requires that all qualified retirement plans be “restated.” Find out what this means for your plan.

Are 401(k) Contributions Tax Deductible for Employers?

Seize the tax deductions (and credits!). Contributing to employees’ 401(k) accounts may cost less than you think.

CARES Act and 401(k)s: Additional IRS Updates

The latest notice from the IRS expands the definition of those qualified to take advantage of CARES Act 401(k) distribution and loan relief.

Welcome to your 401(k) with Betterment!

Find out how to make the most of your plan and start saving for your future.

Should Your Business Continue to Work Remotely? 7 Benefits to Consider.

Companies that were once uncertain about remote work are now capitalizing on the benefits of remote work.

What is a 401(k) Plan Audit?

If an audit of your 401(k) plan is required, Betterment can help you understand what to expect and how to prepare.

See details and disclosure for Betterment's articles and FAQs.