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What is a Safe Harbor 401(k) Plan?

A Safe Harbor plan is a 401(k) plan under which the employer is no longer required to subject the plan to nondiscrimination testing of elective (employee pretax contributions) or matching contributions. To qualify as a Safe Harbor plan, there are certain employer contribution requirements and 100% vesting of these contributions. The maximum dollar limit for elective contributions ($13,000 for the year 2004) can be contributed by the highly compensated employees.


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