A Safe Harbor 401(k) plan generally satisfies the non-discrimination rules for elective deferrals and employer matching contributions. In a Safe Harbor 401(k) plan, matching contributions vest immediately and are typically 3% to 4% of an employee’s salary. By providing these immediately vesting, matching contributions, you automatically satisfy this government test and unlock the highest yearly contribution limits for themselves and their Highly Compensated Employees. Click here to learn more.