01
Company info
Payroll provider, bank details, and headcount. That is enough to start.
California Insurance License0C10932
401(k) plans
Retirement that starts with a 401(k).
A straightforward workplace plan for employers. Design it, launch it, and keep it running — with a calculator so you can see the numbers first.
Start a plan in three steps
Company info, plan design, launch. Simple language. No extra noise.
02
Plan design
Match, safe harbor, Roth, eligibility. Options that fit the team.
03
Launch
Connect payroll, review documents, and open the 401(k) to employees.
2026 401(k) limits
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
A 401(k) is the better choice
What’s the difference between a 401(k) and CalSavers?
A 401(k) is an employer-sponsored retirement plan the company designs and administers (often with a provider and advisor support). CalSavers is California’s state-facilitated IRA program for employers that do not already offer a qualified plan. A 401(k) gives you more savings room, an employer match, and a benefit people actually compare when they take a job. NP Benefit Services can help you compare which path fits your workforce.
401(k) — better for employers
CalSavers
Savings room
401(k). Employees can save $24,500 in 2026 — more than three times CalSavers — plus catch-up.
CalSavers. IRA cap only: $7,500, or $8,600 at age 50+.
Employer money
401(k). You can add a match. That is a hiring benefit CalSavers cannot offer.
CalSavers. No employer contributions. Employees fund it alone.
Tax choice
401(k). Pre-tax, Roth, or both. The company decides what the plan offers.
CalSavers. Roth only. Contributions are after tax.
Who designs it
401(k). You do: eligibility, match, Roth, and the payroll feed.
CalSavers. The state program. You register and deduct payroll.
2026 IRS limits. A workplace 401(k) is generally how California employers meet the retirement-plan rule instead of CalSavers. Confirm what applies to your company, then start the plan.
401(k) growth calculator
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
- You put in
- $153,000
- Match
- $102,000
- Growth
- $929,389
Illustration only. Markets vary. Not tax, legal, or investment advice.
What we handle
Focus stays on the 401(k): setup, payroll feed, compliance support, and employee questions.
- Payroll integration and automated contribution files
- Eligibility, participation, and basic reporting
- Loans, hardships, and QDRO support when the plan allows
- Form 5500 feed and audit support
- Roth and traditional deferral options
Ready to start a 401(k)?
Call, or send a request. It goes to npillow@npbenefitservices.com.