01
Company info
Payroll provider, bank details, and headcount. That is enough to start.
401(k) plans
A straightforward workplace plan for SoCal employers. Design it, launch it, and keep it running — with a calculator so you can see the numbers first.
Company info, plan design, launch. Simple language. No extra noise.
01
Payroll provider, bank details, and headcount. That is enough to start.
02
Match, safe harbor, Roth, eligibility. Options that fit the team.
03
Connect payroll, review documents, and open the 401(k) to employees.
IRS figures employers and employees use this year. Confirm plan documents before anyone relies on a number.
Employee deferral
$24,500
Pre-tax, Roth, or both
Age 50+ catch-up
$8,000
Ages 60–63 may use $11,250
Annual additions
$72,000
Employee + employer, before catch-up
Move the sliders. See employee deferrals, employer match, and compound growth to retirement — using 2026 IRS caps.
2026 employee limit is $24,500. This year you would defer $5,100 of a $24,500 cap.
Projected 401(k) at age 65
$1,229,389
30 years · $5,100 this year
Illustration only. Markets vary. Not tax, legal, or investment advice.
Focus stays on the 401(k): setup, payroll feed, compliance support, and employee questions.
Call, or send a request. It goes to npillow@npbenefitservices.com.