Smooth Start 401(k) Plan™

Smooth Start 401(k) Plan

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Want to get your 401(k) plan off to a smooth start? For many small businesses, the key to a smooth start is an easy to understand and administer plan coupled with the right professionals at your side. In the beginning, there is no need for more complicated features and choices that sometimes confuse employers.

Nova 401(k) Associates is pleased to roll out its Smooth Start 401(k) Plan. After many years of studying what issues employers have in their first few years of operating a 401(k) plan, we have designed an affordable, easy option for employers sponsoring their first 401(k) plan.

Features include:

  • Employer choice of eligibility period
  • Employer choice of matching contribution that goes only to participants who contribute
    to the Plan or a contribution that goes to all eligible employees
  • A 401(k) plan that is exempt from most of the complicated IRS nondiscrimination testing
  • 401(k) plan loans
  •  Simplified census collection
  •  Allows rollovers into the plan
  •  No initial plan document fee 
  • Affordable annual maintenance fee
  • Ability to upgrade to additional features when the time is right! 

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