[August 17, 2026]

ShareBuilder 401k Announces Special Savings on Employer 401(k) Setup Ahead of the October 1st Safe Harbor Deadline

ShareBuilder 401k, a leading provider of affordable, all-ETF 401(k) plans for small businesses and medium-sized companies, today announced a special offer to help businesses with employees establish their first 401(k) plan, especially those working to meet the crucial Safe Harbor deadline. The Safe Harbor 401(k) is one of the most popular plan designs for small businesses because it automatically satisfies the IRS nondiscrimination testing, allowing high earners, including owners, to contribute up to the full 401(k) limit without restriction. For the plan to take effect for the current year, it must be established by October 1.

"Offering a retirement plan is a low-cost benefit any size business can offer, can help everyone on your team save for tomorrow and better manage taxes too," said Stuart Robertson, CEO of ShareBuilder 401k. "While most small businesses don't offer 401(k) benefits, we're looking to help change all that with simple to manage, low-cost plans surrounded with expert support. The Safe Harbor 401(k) plan design is a great opportunity and a win-win for businesses with employees to start a plan now that offers current tax year savings and helps set both the owners and the employees up for retirement."

To encourage early adoption and ease the setup process, ShareBuilder 401k is offering significant discounts for businesses with employees establishing a new 401(k) plan:

• From August 17 to September 1: $250 off the setup fee for a new 401(k) plan.
• From September 2 to September 10: $100 off the setup fee for a new plan. Businesses will have until September 23^rd to purchase aSafe Harbor plan through ShareBuilder and still meet the October 1st government deadline.

For businesses with fewer than 100 employees, concerns about the cash outlay for employer contributions are significantly mitigated by the tax credits enabled in the SECURE 2.0 Act. This legislation has added more tax credits for businesses starting their first plan beyond covering setup and administration costs, including an offset to employer contributions. Any employer contribution not covered by these enhanced tax credits is typically tax-deductible for the company, further reducing the net cost.

To establish a Safe Harbor 401(k) plan for the current year, businesses must set it up by October 1. Most providers recommend initiating the process well in advance to ensure the company's plan is fully operational on time and not delayed until the following January. By leveraging ShareBuilder 401k's current offers and digital purchase and installation process, businesses can establish a low-cost, full-featured plan that simplifies compliance management and provides valuable retirement benefits to their employees.

ShareBuilder 401k offers a range of plans designed to meet the needs of businesses of different sizes, emphasizing low costs, user-friendly technology, and exceptional customer service.

To learn more or to take advantage of the Safe Harbor discounts, visit www.sharebuilder401k.com.

About ShareBuilder 401k

ShareBuilder 401k is a leading digital 401(k) provider specializing in low-cost, all-ETF retirement products and resources for small- to mid-sized companies, including owner-only businesses. Founded in 2005 and now serving more than 6,500 businesses across the US, ShareBuilder 401k is a pioneer of the index-based 401(k), digital quoting and purchasing of retirement plans, and providing investment management (ERISA 3(38)) services for every client's fund roster. ShareBuilder 401k is committed to expanding access to retirement plans and leading more Americans to save through cutting-edge technology, low costs and quality education and support.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260817374936/en/

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