Continuing to serve you in a thoughtful way.

Throughout the challenges of recent months, we’ve continued to safely serve investors’ needs. As we gradually reopen our offices to in-person appointments, our approach will be thoughtful and individualized to each location. Learn More

Hurricane Sally

If your Edward Jones branch is temporarily closed due to Hurricane Sally and you need assistance, please call Client Relations at 1-800-511-5768 (Monday - Friday, 7 a.m. - 7 p.m. CT).

Safe Harbor 401(k)

The last thing you need is added complexity in running your business. A Safe Harbor 401(k) can be a complicated retirement plan option – so let us take the guesswork out of it.

With a Safe Harbor 401(k), you, as the business owner, must be willing to make required contributions in the form of a match. Any size business may find these plans attractive, but take a closer look if:

  • You have fewer than 25 employees.
  • You are open to making required employer contributions.


A Safe Harbor 401(k) lets you contribute the maximum amount to your own account. But you must also provide a "safe harbor" match or contribution to employees' accounts as a percentage of their compensation. This means you and your highly compensated employees can maximize tax-deferred contributions without the restrictions of a traditional plan that doesn't require matching.

Contribution features

  • All participants can make the maximum salary deferral contribution. 
  • Contributions can be pretax, after-tax (Roth deferral contributions) or both.
  • Total contributions from both sources (employer and employee) may not exceed 100% of income or $57,000 per eligible participant. 
  • The employer is required either to match employee contributions (100% of the participants’ first 3% of salary and 50% of the next 2% of salary) or provide a non-elective contribution (3% of salary for all eligible employees).


  • Employee deferral and Safe Harbor contributions are immediately vested.
  • This type of plan can be complex and requires an administrator for compliance, plan maintenance, record keeping, IRS Form 5500 filing and required testing.


  • Setup Deadline: 
    • You must establish the plan before contributions can be made by any participants, including owners. 
    • The last day to establish a plan for the current plan year is Oct. 1.
  • Contribution Deadline: 
    • Participant contributions must be deposited as soon as feasible, but never later than the 15th business day following the month they were withheld.

How we can help

An Edward Jones financial advisor can provide information about the types of retirement plans available.

Important information:

This information is for educational purposes only. Edward Jones, its employees and financial advisors cannot provide tax or legal advice.

Find a Financial Advisor

Find a Financial Advisor

Select a State and then enter a last name

    Explore our retirement resources

    Steps today help you have the freedom to make retirement your own.

    Read more

    Are you ready to retire?

    Adjust your inputs to see the effects on your retirement calculation.

    Use our calculator