Expert retirement plan administration for businesses of all sizes.

Take Retirement Plan Admin Off Your Plate.

Managing a retirement plan doesn’t have to be a solo effort. Since 1987, Benefit Resources has partnered with small business owners and HR teams to simplify administration, ensure compliance, and give you and your team real people to rely on.

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When you’re running a business, the last thing you need is confusion or missed deadlines related to your benefit programs. At Benefit Resources, we simplify retirement plan administration so you stay compliant, supported, and confident in your plan.

Why Employers Choose Benefit Resources

for Retirement Plan Administration

Compliance Covered.

We stay on top of deadlines, filings, and requirements so you avoid penalties and costly mistakes.

Real Help. Real People.

No phone trees or call centers. You’ll always talk to a knowledgeable team member who knows your plan.

An Extension of Your Team

We serve as an extension of your HR department, handling plan compliance and giving your employees real support they can rely on.

Personalized Plans, No Surprises

You get more design options than bundled providers, often at a lower cost, with plans tailored to your goals instead of theirs.

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Beyond
The Bundle.

Bundled Providers/PEPs

  • Impersonal Call center support
  • One-size-fits-all plans that serve their interests
  • High staff turnover
  • Reactive service, poor communication

See how Benefit Resources creates customized and compliant retirement plans that protect your business and support your team without the cookie cutter approach.

Benefit Resources

  • Direct contact with your plan expert
  • Flexible, custom plan designs
  • Same dedicated team year after year
  • Proactive reminders and ongoing support
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Your Next Step Made Simple.

Every business has different retirement plan needs. Here are the ways Benefit Resources can help.

Explore Plan Options

We guide you and your employees every step of the way.

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Switching Plans

Contributions continue without disruption.

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Talk to An Expert

Better results with less administrative effort on your end.

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Explore Our Retirement Plan Options

Choosing a plan can feel overwhelming, but it does not have to be. Your retirement plan should fit your business, your goals, and your team. Explore the plans below or reach out for clear, expert guidance.

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401(k)

401(k)

Best For:

Businesses that want to give employees a simple way to build retirement savings through payroll deductions, with optional employer contributions.

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What is it?

A popular, basic plan that lets employees save for retirement through payroll deductions, with optional employer contributions. They choose between pre-tax or Roth contributions depending on their goals. Automatic enrollment has been mandatory for new 401(k) plans since 2023.

Ideal For:

Businesses that understand that today’s employee expects to be able to conveniently save for retirement as a part of the payroll process but may not know whether it can afford to supplement their savings effort.

Key Benefits:

  • Contributions are discretionary and tax-deductible to the business
  • Employers can decide after the close of each year whether to match employee deferrals contributions or provide benefits to everyone
  • Helps recruit and retain employees
  • Employees save directly from their paycheck
  • Can provide access to Roth salary deferral contributions regardless of income

Considerations:

  • Deferral contributions require annual compliance testing which may result in owners and other “highly compensated” employees needing to take a refund of their deferrals as taxable income the following year.
  • Retirement benefits from competitors may seem more enticing to prospective talent. 
  • Subject to mandatory “top-heavy minimum” contributions if, generally speaking, accounts belonging to owners and other “key” employees represent more than 60% of all assets.

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Safe Harbor 401(k)

Profit Sharing Only

457/403(b)

401(k)-DB/CB Combo

401(k)

Safe Harbor 401(k)

Safe Harbor 401(k)

Best For:

Businesses that want to simplify annual IRS testing.

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What is it?

An increasingly common 401(k) plan which forgoes the annual compliance evaluation on deferral contributions in exchange for a mandatory “safe harbor” company contribution to employees who make salary deferral contributions during the year. The mandatory contribution may be as a match of deferrals up to 3.5%-4% or to all employees in the amount of 3% of compensation as a “non-elective” contribution and is generally immediately vested. 

Ideal For:

Businesses that want to avoid refunds of salary deferrals to owners and other “highly compensated” employees as well as the specter of required top-heavy minimum contributions. These plans have become the industry standard, are a great way to provide employee benefits in a tax-preferred way, and safe harbor contributions can count toward compliance testing of additional discretionary company contributions for phenomenal outcomes. 

Key Benefits:

  • ADP/ACP nondiscrimination testing is deemed to pass and top-heavy minimum contribution requirements are automatically satisfied if certain conditions are met
  • Owners and key employees can contribute up to the salary deferral maximum each year
  • Guaranteed employer contributions make the plan more attractive to employees
  • Helps retain and reward staff while reducing compliance risk

Considerations:

  • Generally, employer contributions are required for employees who choose to participate
  • Some types of plan changes cannot be adopted mid-year
  • Annual notice must be provided to employees for a deemed pass on the ACP test
  • Top-heavy minimums may still apply if discretionary company contributions are made

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Profit Sharing Only

457/403(b)

401(k)-DB/CB Combo

401(k)

Profit Sharing Only

Safe Harbor 401(k)

Profit Sharing Only

Best For:

Businesses that want to fund their own retirement plan.

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What is it?

A retirement plan where only the business makes contributions to employee retirement accounts. Employees do not contribute through payroll deductions and the contribution amount may vary from year to year, but the IRS expects the amount to be meaningful and regular.

Ideal For:

Businesses that want a side-car plan to supplement another program, want to avoid the additional administration of a payroll-deduction process, and/or desire full control over the plan trust including how accounts are invested and accessible by employees.

Key Benefits:

  • Employer decides contribution amounts each year
  • Contributions are tax-deductible to the business
  • Rewards employees without requiring payroll deductions
  • Can be combined with other retirement plans for added flexibility
  • Can require up to two years of employment

Considerations:

  • No employee deferrals, so savings depend entirely on employer contributions
  • Contributions may vary year to year, which can feel less predictable to employees
  • Employees may be so detached from the plan they do not even realize the benefit their employer is providing

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457/403(b)

401(k)-DB/CB Combo

401(k)

Profit Sharing Only

Safe Harbor 401(k)

457/403(b)

457/403(b)

Best For:

Schools, government agencies, and nonprofits that want to provide employees with tax-advantaged retirement savings similar to a 401(k).

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What is it?

Tax-advantaged retirement savings plan alternatives for public sector companies and nonprofit organizations who either do not find a 401(k) to be a better fit for them or find that a 401(k) plan is not an available option at all. These plans offer benefits similar to a 401(k), allowing employees to save through payroll deductions with optional employer contributions, but since they are sponsored by tax-exempt entities, some of the rules and regulations are different which necessitate a novel approach to their benefit options.

Ideal For:

Government agencies, schools, and 501(c)(3) nonprofits that want to provide employees with an easy, tax-efficient way to save for retirement.

Key Benefits:

  • Employer decides contribution amounts each year
  • Contributions are tax-deductible to the business
  • Rewards employees without requiring payroll deductions
  • Can be combined with other retirement plans for added flexibility
  • Can require up to two years of employment

Considerations:

  • Limited to certain types of employers
  • Different rules may apply depending on the organization and plan type

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401(k)-DB/CB Combo

401(k)

Profit Sharing Only

Safe Harbor 401(k)

457/403(b)

401(k)-DB/CB Combo

401(k)-DB/CB Combo

Best For:

Businesses that want to take their retirement program to the next level. By combining a 401(k) with a pension plan, owners and key employees often find they are able to receive a much greater share of the additional contribution then they might have expected.

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What is it?

A retirement program which pairs a 401(k) plan with a Defined Benefit or Cash Balance plan. This structure offers business owners and key employees all the salary deferral opportunity of a 401(k) plan with the potentially massive contribution opportunity of a Defined Benefit or Cash Balance plan. 

Ideal For:

Businesses that want to maximize retirement contributions, reduce taxable income, and offer higher savings potential for owners and employees compared to a standalone 401(k) plan.

Key Benefits:

  • Allows much larger annual contributions than a 401(k) alone
  • Provides tax advantages for the business and participants
  • Helps attract and retain top talent with a more robust benefit package
  • Combines the deferral opportunity of a 401(k) with the higher limits available to pension plans

Considerations:

  • Increased fees for plan administration and maintenance
  • Most types of businesses require annual participant fees are paid to the Pension Benefit Guaranty Corporation (PBGC)
  • Pension plans must be in place for multiple years or runs risk of disqualification
  • Pension benefits are not discretionary, though degrees of under- or over-funding are options
  • Pension asset investment returns are nominal, but promised to participants and backstopped by the sponsor

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Details

401(k)

Available to:

Businesses that want to give employees a simple way to build retirement savings through payroll deductions, with optional employer contributions.

Details

Safe Harbor 401(k)

Available to:

Businesses that want to simplify annual IRS testing. Owners can contribute the maximum each year, and employees benefit from guaranteed employer contributions.

Details

Profit Sharing Only

Available to:

Businesses that want to fund their own retirement plan. Decide each year how much to contribute to employee accounts without changing your existing payroll process.

Details

457/403(b)

Available to:

Schools, government agencies, and nonprofits that want to provide employees with tax-advantaged retirement savings similar to a 401(k).

Details

401(k)-DB/CB Combo

Available to:

Businesses that want to take their retirement program to the next level by combining a 401(k) with a pension plan, allowing owners and key employees to maximize contributions.

The right plan strengthens your business and supports your employees.

A Retirement Plan Is More Than a Benefit. It Is a Strategy.

Just as you rely on your CPA, attorney, and financial planner to guide your future, your employees deserve the same opportunity to plan for theirs. The right plan helps you attract top talent, retain key employees, and ensure your team can retire on time so the next generation is ready to lead.

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Frustrated With Your Current Provider?

Clear Communication

We guide you and your employees every step of the way.

Seamless Transition

Contributions continue without disruption.

Real Relief

Better results with less administrative effort on your end.

Smooth Transitions, Stronger Plans.

Moving your retirement plan to Benefit Resources is easier than you think. Our transition team handles the details from employee notifications to asset transfers so your plan stays compliant and your employees stay supported.

Talk to Us About Switching →

You Don’t Have to Navigate Retirement Plans Alone.

Let’s simplify retirement planning together.

With almost four decades of experience, Benefit Resources helps businesses simplify plan decisions, ensure compliance, and support employees with confidence. Connect with our team today to find the right plan for your business.

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