401k, Pension and Profit Sharing Plans

401K Profit Sharing Plans are one of the most popular benefits offer to employees. It is the ideal solution to assist employees in saving and investing for their retirement years. Plans can be designed with or without employer matching and discretionary contributions. 401K plans allow employees to put aside up to 15% or their compensation on a pre-tax basis. Earnings on the funds set aside are also tax deferred until retirement.

Horizon Agency, Inc. offers single provider turnkey plans and combination custom design plans. The table below gives a brief summary of the plan types available.

	Single Provider	Customer Design
Administration	Done by the provider selected to handle the plan.	Done by a third party administrator.
Investments	Selected by the provider and monitored by the provider.	Offered through independent fund outlets such as Charles Schwab.
Investment Funds Offered	Selected by provider	Selected from over 500 funds. Employer can offer funds desired for investment objectives of participants.
Reporting and Expense	Prepared by provider with single source expenses.	Prepared by TPA with expense split between TPA and fund managers.

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