Seamless Payroll Integration
Automate employee contributions and employer matching with built-in connectivity.
isolved 401(k) powered by 401GO
Flexible and Secure 401(k) Retirement Plans
As an isolved customer, you can provide an automated and affordable 401(k) retirement plan that's designed for your business size and the flexibility you need.
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isolved 401(k) Powered by 401GO: Smart Scalable Retirement Solutions for Your Business
Offering a 401(k) plan is a strategic investment in your company's growth, employee satisfaction and long-term success. isolved 401(k), powered by our partner 401GO, offers you the flexibility, compliance and support you need for every stage of business growth.
Automated Filings
Stay compliant with Employee Retirement Income Security Act (ERISA) filings, nondiscrimination testing and fiduciary support.
Flexible Plan Options
Choose from safe harbor, non-safe harbor and profit-sharing structures to match your business goals.
Tax Savings
Take advantage of potential employer tax credits and deductions to reduce costs while investing in your workforce.
Fast Implementation
Get started quickly with an intuitive, guided setup process.
Comprehensive Support & Security
Access a dedicated support team and secure digital platform to ensure smooth plan management, compliance and data protection.
isolved Offers 401(k) Plans to Fit Your Business
Whether you're a sole proprietor looking to maximize contributions, a small business meeting state mandates, or a growing enterprise seeking advanced retirement features, isolved 410(k) offers the flexibility, compliance, and support you need.
isolved 401(k)
Enterprise
Powered by 401GO
A comprehensive full-featured plan designed for businesses of all sizes that are looking for advanced compliance, fiduciary support, and dedicated relationship management.
isolved 401(k)
Small Business
Powered by 401GO
Designed for businesses meeting state retirement mandates that need an affordable, entry-level 401(k) solution with flexibility to scale in the future.
isolved 401(k)
Solo
Powered by 401GO
An ideal retirement savings option for contractors, freelancers, and sole proprietors looking for a tax-advantaged way to save with higher contribution limits than traditional IRAs.
A comprehensive full-featured plan designed for businesses of all sizes that are looking for advanced compliance, fiduciary support, and dedicated relationship management.
- Maximize Savings with High Contributions and Profit Sharing: Allow employees to contribute up to $23,500 while offering employer contributions and profit-sharing options to attract and retain talent.
- Comprehensive Compliance and Fiduciary Support: Includes 3(16) fiduciary services, Form 5500 filings, and audit protections, reducing compliance risks and admirative tasks.
- Dedicated Investment Support: Gain access to guided portfolios, local financial advisors and professional investment.
- Seamless Payroll Integration with Real-Time Data Exchange: Automate contributions and reporting with 360 API integration, ensuring accuracy and saving time on payroll management.
Designed for businesses meeting state retirement mandates that need an affordable, entry-level 401(k) solution with flexibility to scale in the future.
- Affordable Compliance and Reporting: Stay complaint with ERISA filings and non-discrimination testing without the complexity of traditional 401(k) plans.
- Financial Wellness Tools to Empower Employees: Provide budgeting, goal-tracking and investment resources through the 410GO mobile app, helping employees build financial security.
- Tax Credits and Cost Savings for Employers: Take advantage of federal tax credits for offering a retirement plan, making it a smart financial decision for your business.
- Entry-Level Access to Employee Retirement Benefits: A low-cost way to offer retirement savings to employees without additional complexities.
An ideal retirement savings option for contractors, freelancers, and sole proprietors looking for a tax-advantaged way to save with higher contribution limits than traditional IRAs.
- High Contribution Limits with Profit Sharing Options: Contribute up to $23,500 annually with the flexibility to add profit-sharing for even greater retirement savings.
- Flexible Plan Designed to Fit Your Business Goals: Tailor your plan structure to maximize tax advantages and meet your specific financial objectives.
- Seamless Automation with Real-Time Payroll Integration: Automate contributions through 360 API integration, ensuring efficiency and accuracy with minimal administrative work.
- Mobile Financial Tools: Access budgeting tools, goals tracking and financial insights via the 401GO mobile app.
Expand Your Knowledge
Stay on top of industry trends while expanding your retirement and financial wellness knowledge.
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7 HR Trends in 2025
Prepare your workforce for what's next to stay ahead of the curve and start building a stronger, more resilient team.
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Understanding 401(k) Plans
Learn how to help employees plan for retirement by offering 401(k) plans.
Read401(K) and Retirement Plan FAQs
A company 401(k) plan is an employer-sponsored retirement savings plan that allows employees to make pre-tax or Roth after-tax contributions from their salary. These contributions are invested in various options, such as mutual funds, to grow over time. Employers may offer matching contributions, where they match a portion of an employee's contributions, often dollar for dollar, up to a certain percentage of the employee's salary. The plan document outlines specific rules, including eligibility requirements, contribution limits and the vesting schedule for employer contributions.
Plan participants can access their accounts to track contributions, investments and performance and make changes to their investment decisions. Contributions grow on a tax-deferred basis, meaning taxes on earnings are delayed until withdrawals are made during retirement. Required minimum distributions (RMDs) generally begin at age 73. Early withdrawals may incur penalties, except for certain hardship exceptions. The plan is regulated by the Department of Labor and the IRS, with compliance requirements such as annual contribution limits, nondiscrimination testing and plan administration filings.
Several types of 401(k) plans are designed to meet different business and employee needs. The most common are traditional 401(k), Roth 401(k) and safe harbor 401(k) plans. Traditional 401(k) plans allow employees to make pre-tax contributions, reducing their taxable income. Withdrawals in retirement are subject to income tax. Roth 401(k) plans use after-tax contributions, allowing for tax-free withdrawals if certain conditions are met. Safe harbor 401(k) plans simplify compliance with nondiscrimination testing by requiring employers to provide either matching or nonelective contributions to eligible employees.
Additional options include profit-sharing plans, which allow employers to make discretionary contributions based on company profits and SIMPLE 401(k) plans designed for small businesses with fewer than 100 employees. These plans have lower contribution limits and simpler administration. Plans may also offer designated Roth accounts for flexible tax planning. Rollovers from other retirement accounts, such as IRAs, are typically allowed. Recordkeeping, investment management and compliance with federal regulations are essential for all plan types to protect participants and maintain tax benefits.
Retirement services refer to the support and solutions offered by financial institutions, plan providers and advisors to help individuals and businesses manage retirement plans. These services typically include plan design, administration, compliance, investment management and recordkeeping for retirement plans such as 401(k), SIMPLE IRA and defined contribution plans. Providers offer options like target-date funds, annuities and managed accounts to help plan participants meet their retirement goals based on their specific situation.
Plan sponsors, such as business owners or employers, use retirement services to benefit eligible employees through salary deferrals, employer matching and other plan features. Services may include plans with high contribution limits and tax benefits for self-employed individuals. Retirement services also guide qualified distributions, hardship withdrawals and avoiding early withdrawal penalties, often with the assistance of a financial professional. These services ensure employers and employees can effectively plan for and achieve long-term financial security.
