Help Employees Get Retirement-Ready with 401(k) & Pension Plans

Employees rely on employer-provided benefits to help with their personal financial protection. In fact, a retirement plan is a key deciding factor for many when looking to join a firm, along with salary and Health Insurance. Without an attractive retirement plan in place, you risk losing quality candidates. Offering retirement benefits also shows you value your employees, which can help reduce turnover.

The professional benefits specialists at Capacity Benefits & Financial Services Group can help you with your workplace retirement plan – from a 401(k) to a pension and profit-sharing plan.

*SagePoint Financial Inc. understands and attests that they are an ERISA fiduciary as defined in the Fiduciary Rule under the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 1986. SagePoint Financial Inc. adheres to the Impartial Conduct Standards (including the “best interest” standard, reasonable compensation and no misrepresented information). This relates to all ERISA accounts including Individual Retirement Accounts (IRAs).

Inside a 401(k) Retirement Plan

We offer excellent 401(k) retirement plans that can be structured to accommodate profit sharing and/or matching contributions from the company if that’s a benefit you want to provide. Our 401(k) plans are from leading financial investment firms and can be set up to offer automatic enrollment salary deferrals, employer contribution options, as well as online information, account review and retirement calculators.

We offer traditional 401(k), safe harbor 401(k), and SIMPLE 401(k) plans, all of which—in some cases—can be built with Roth elective deferral. Our retirement plans can provide tax advantages to both your employees and your company. The traditional plans meet non-discrimination requirements, and both the safe harbor and traditional 401(k)s can be combined with other retirement offerings. For smaller businesses, the SIMPLE 401(k) could be most suitable.

Our experienced advisors, which include Certified Financial Planners, can help you understand the benefits, requirements and restrictions of each of option. We can also help optimize your 401(k) program by coordinating investment offerings, lowering expenses, coordinating rollovers, and employee education which can lead to increased enrollment.

Inside a Pension & Profit-Sharing Plan

We can assist you in setting up a profit-sharing plan, offering you both design flexibility and discretion with regard to contributions. Employer contributions are self-determined and can be allocated in a number of ways. The employer’s maximum deduction is limited to 25% of the annual compensation paid to eligible employees. For 2017, the individual maximum contribution limit for employees, applied to all defined-contribution plans, is 100% of compensation or $54,000, whichever is less. Depending on the profit sharing plan’s allocation formula, the contributions for individual employees may exceed the 25% level as long as the aggregated employer contribution does not exceed the 25% maximum employer contribution limit. There are three basic types of profit sharing plans: traditional, age-weighted and new comparability, which our staff can review with you to determine which is best for you and your employees.

Talk with One of Our Specialists

Founded in 1990, Capacity Benefits & Financial Services Group and our experienced professionals are ready to provide you with products, strategies and tools to help optimize your employee benefits, maximize employee engagement, streamline processes and reduce costs; secure the individual insurance products and services needed for a well-planned future. As a member of the Capacity Group, an EPIC Company, we are part of EPIC Insurance Brokers & Consultants – one of the 20 largest retail insurance brokers in the country as of 2017 and a leading employee benefits consulting specialist. Learn more by visiting the EPIC website. For more information about how we can make a difference for you, your business and employees, give us a call at (201) 661-2355.

The information on this site is not intended to be used as the primary basis for investment decisions.

Products and services described may not be eligible for solicitation in your state. This site is for use by individuals residing in states where our products and services may legally be offered.

This site has been published in the United States for residents of the United States. We do reserve the right to require proof of residence from any user accessing this site and requesting information. It is not intended for use by, or to provide any information to investors outside of the United States. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.

Securities and investment advisory services offered through SagePoint Financial, Inc., member FINRA/SIPC and a registered investment advisor. Capacity Benefits & Financial Services Group, LLC is not affiliated with SagePoint Financial, Inc or registered as a broker dealer or investment advisor.

Representatives may not be registered to provide securities and advisory services in all states.

Guarantees and benefits provided may be subject to the claims-paying ability of the issuing company.

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Focusing on financial well-being.

Help Employees Get Retirement-Ready with 401(k) & Pension Plans

Inside a 401(k) Retirement Plan

Inside a Pension & Profit-Sharing Plan

Talk with One of Our Specialists