What is a Safe Harbor Plan?

A Safe Harbor retirement plan is a type of employer-sponsored plan that meets certain IRS requirements.

The key feature for participants:
Employer contributions are immediately 100% vested.

This means you fully own employer contributions as soon as they are deposited into your account.

Safe Harbor contributions may include:

• Matching contributions (based on what you contribute), or
• Non-elective contributions (made for all eligible employees, even if they don’t contribute).