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    Everyday 401(k) by J.P. Morgan

    401(k) plans for small business clients

     

    Run a pricing proposal

    Low costs

    Transparent pricing so your clients know what to expect and the possibility for them to receive up to $5,000/year in tax credits when they start a 401(k) plan, plus $500 for choosing automatic enrollment[1] and a tax credit for the employer contributions of up to $1,000/employee.[2]

    Simple solutions

    Set up your client's 401(k) online by selecting from ready-to-use plans or customize a plan to suit their needs.

    Stronger retirement savings

    Help employees plan, save, and invest for their future with a trusted firm that delivers industry-leading insights and tools.[3]

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    Everyday 401(k) uses an independent 3(38), Mesirow, to offer a R6 share class fund lineup 

    Download fund lineup

    Learn more about the SECURE 2.0 Tax Credits available to small businesses.

    Click here >

    Help explain the benefits and options of an Everyday 401(k) plan to your clients

    Download the brochure

    State-mandated legislation

    There is a developing trend among states to enact legislation requiring employers without retirement plans to enroll their employees in a payroll deduction individual retirement account (IRA) program run by the state, unless the employee opts out. A number of state legislatures have already passed laws to create these mandatory programs and several more states have been considering them.

    If you would like to learn more about Everyday 401(k) for your small business clients, call us and speak to one of our Retirement Plan Client Advisors:

    844-546-5576

    1Under the SECURE Act, tax credits may be available to help you offset your first three years of plan startup costs in an amount equal to 50% of qualified startup costs paid or incurred, but limited to the greater of (1) $500 or (2) the lesser of (a) $250 for each non-highly compensated employee who is eligible to participate in the plan or (b) $5,000. In general, “qualified startup costs” are ordinary and necessary expenses of an eligible employer which are paid or incurred in connection with the establishment or administration of an eligible employer plan, or the retirement-related education of employees with respect to a plan if the plan has at least one participant who is not a highly compensated employee. Employers should be advised to consult their tax advisors concerning eligibility for the credit. The Secure 2.0 Act, enacted December 29, 2022, extended the $5,000/year tax credit for the first 3 years to 100% of qualified startup costs for businesses with 50 or fewer employees.

    2Under Internal Revenue Code Section 45E(f), added by the SECURE 2.0 Act, businesses with 50 or fewer employees may qualify for tax credits for employer contributions for eligible employees (i.e., those who make $100,000 or less). In the first 2 years of the plan, the credit is 100% of the employer contribution capped at $1,000/eligible employee, in year 3 of the plan it is 75% of the employer contribution capped at $1,000/eligible employee, in year 4 of the plan it is 50% of the employer contribution capped at $1,000/eligible employee and in year 5 of the plan, it is 25% of the employer contribution capped at $1,000/eligible employee. This credit is phased out for employers with 51 – 100 employees.

    3J.P. Morgan Guide to Retirement won the 2012 RIIA Retirement Income Communications award, the 2014 MFEA STAR Award for retail education and the 2015 WealthManagement.com Industry Award for Thought Leadership – Investing. In addition, in 2018 it won “Highly Commended” in the “Best Pensions Paper 2018 (North America)” category: https://www.savvyinvestor.net/blog/awards-best-pensions-white-paper-north-america-2018, and most recently won the Investment Management Education Alliance (IMEA) Star Awards for “Retirement Ongoing Education”. Target Date Compass 2018 Investment Management Education Alliance (IMEA) Star Award for “Retirement - Digital Innovation”. Participant Communications is a 6x Award winner for overall retirement communications and has earned 10+ Awards for enrollment, education & mobile communications.

    The 3(38) Fiduciary Partnership Service is provided by Mesirow and available through J.P. Morgan Everyday 401(k) (“J.P. Morgan”). Mesirow acts as a fiduciary under ERISA Section 3(38) with respect to the services described in the Investment Manager Agreement but is not acting in the capacity of adviser to individual investors. Mesirow is not affiliated with J.P. Morgan or its subsidiaries and affiliates. Mesirow refers to Mesirow Financial Holdings, Inc. and its divisions, subsidiaries and affiliates. Advisory services are offered through Mesirow Financial Investment Management, Inc., an SEC-registered investment advisor. The Mesirow name and logo are registered service marks of Mesirow Financial Holdings, Inc., © 2023. All rights reserved.

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    This website is a general communication being provided for informational purposes only. It is educational in nature and not designed to be a recommendation for any specific investment product, strategy, plan feature or other purposes. By receiving this communication you agree with the intended purpose described above. Any examples used in this material are generic, hypothetical and for illustration purposes only. None of J.P. Morgan Asset Management, its affiliates or representatives is suggesting that the recipient or any other person take a specific course of action or any action at all. Communications such as this are not impartial and are provided in connection with the advertising and marketing of products and services. Prior to making any investment or financial decisions, an investor should seek individualized advice from personal financial, legal, tax and other professionals that take into account all of the particular facts and circumstances of an investor's own situation.

     

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