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Home / Group Benefits / 401(k) Retirement Plans

401(k) Retirement Plans

Businessman Smiles as he Stands in Front of his Office Building401(K) plans are tax-deferred retirement savings plans for employees. The employer sets them up and each company has a slightly different 401(k). They are part of a family of retirement plans known as “defined contribution” plans – the amount contributed is defined by the employer or the employee. 

When you join a 401(K) plan, you tell your employer how much money you want to contribute to your account. This amount is deducted from your salary before taxes are applied, so you pay less income tax. More importantly, the money is deducted even before you have received it, making it the easiest savings plan to contribute to. Your employer may match a portion of your contribution.

The money is invested by the plan administrator (on your behalf) in mutual funds, bonds, money market accounts, etc. You decide the mix of investments. They usually have a list of investment vehicles you can choose from as well as some guidelines for the level of risk you are willing to take. Since the plan is an incentive for retirement savings, there is one condition: if you withdraw the money before you are 59½  years old, you will have to pay tax as well as a 10% penalty fine to the IRS.

For more information about 401(k) Retirement Plans or to discuss your specific business needs, please contact us using the form to the right.

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  • Atlanta MY Insurance Group
    • 10710 Medlock Bridge Road
      Suite 225
    • Johns Creek, Georgia 30097
  • Phone: (770) 986-6998
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10710 Medlock Bridge Road, Suite 225, Johns Creek, Georgia 30097
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Atlanta MY Insurance Group Provides Auto Insurance, Homeowner Insurance, Business/Commercial Insurance, Life/Health Insurance, and Employee Benefits in Georgia, Alabama, Florida, Mississippi, North Carolina, South Carolina, Tennessee, Texas.
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