Tired of getting refunds or being restricted in the amount of salary deferrals you can make?
Safe harbor alternatives enable a 401(k)  plan to automatically pass the ADP/ACP tests as long as notice and contribution requirements are met. Safe harbor eliminates the need to test some plan contributions, ultimately eliminating the return of excess contributions. These designed based safe harbors, either as an amendment or as a new plan, can be used on a year by year basis.
Contact Rogers for detailed information on how this concept may benefit your plan. | 
