---
canonical: "https://www.softatlas.io/vestwell/products/safe-harbor-401-k"
name: "Safe Harbor 401(k)"
provider: "Vestwell"
category: "HR & Talent / HRIS / Benefits Administration"
review_count: 0
ai_powered: false
website: "https://www.vestwell.com/products/safe-harbor-401k/for-employers"
updated: "2026-07-20"
---

# Safe Harbor 401(k)

By [Vestwell](/vestwell.md)

A streamlined 401(k) plan with simplified compliance and maximized contributions.

## Features
- Streamline compliance with automatic satisfaction of regulatory requirements
- Maximize contributions for all employees while passing IRS non-discrimination tests
- Offer flexible profit sharing options for additional employer contributions
- Enable self-directed brokerage accounts for broader investment options
- Provide guaranteed lifetime retirement income through annuities
- Support student loan retirement match with employer matching contributions
- Facilitate quick setup with 1:1 onboarding support
- Access a learning center with financial wellness resources and modules

## Built for
OPERATIONS, EXECUTIVES

Source: https://www.softatlas.io/vestwell/products/safe-harbor-401-k