Small Business Retirement Plan Support
From Coach Sali

Sallus & NFP:
A Retirement Plan Designed Just For You

At Sallus & NFP, we have created a 401(k) plan built for small businesses, just like yours. We make offering a retirement plan easy and affordable. We know you aren’t an expert in this stuff, but we are, so you don’t have to be. Our retirement plan coach, Sali, will coach you through every step of your retirement plan journey.

Shane Wolden
Retirement Plan Advisor
CFP, CRPS
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Learn More About Updated Illinois State Retirement Plan Mandate

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Next, let us know if your company wants to make what’s called an ‘employer contribution’ to the plan. An employer contribution is generally tax deductible to the company, and it provides a nice added benefit to your employees – but it is certainly not required. The employer contribution is in addition to the employees’ own plan contributions.

If you do want to contribute, you have choices:

Please note: by saying ‘no’ or ‘not sure,’ there is a bit of a trade-off. The plan would subject to certain plan testing, which incurs an additional fee. As a result of the test, business owners and some highly paid employees may not be able to maximize their contributions.


The advantage of saying ‘Yes’ is that the plan can avoid certain plan testing. This means that business owners and all employees are able to maximize their contributions.

The advantage of saying ‘Yes’ is that the plan can avoid certain plan testing. This means that business owners and all employees are able to maximize their contributions.

Please note: by saying ‘no’ or ‘not sure,’ there is a bit of a trade-off. The plan would subject to certain plan testing, which incurs an additional fee. As a result of the test, business owners and some highly paid employees may not be able to maximize their contributions.

Please note: by saying ‘no’ or ‘not sure,’ there is a bit of a trade-off. The plan would subject to certain plan testing, which incurs an additional fee. As a result of the test, business owners and some highly paid employees may not be able to maximize their contributions.