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401(k) Plans

Saturna Capital Corporation's 401(k) plan is comprehensive, manageable, and affordable — benefiting both employers (plan sponsors) and employees (plan participants).

Employers can adopt a complete 401(k) plan based on modern technology that features IRS-compliant plan documents, employee-directed accounts, online account management and online education materials. Employers utilize Saturna Capital to provide third-party data processing, discrimination and compliance testing, government forms preparation, and extensive operational assistance — all at a simple-to-understand, affordable price.

Employees benefit from daily asset valuation and fund transactions, a discount brokerage account option, online statements with vesting and loan balances, online investment education, online account maintenance forms and the ability to update their personal data anytime.

401(k) plans are powerful employment incentives and a major part of America's retirement savings. But for a plan to be successful, it has to operate easily and at low cost for the employer and for the employees. For some companies, the cost and complexity of operating a 401(k) plan seems prohibitive. For others, terminating a plan after years of high fees, poor investment performance and hassles might seem like an easy decision.

There is a better alternative: Saturna Capital's 401(k) plan — providing real "value for your money."

Why Choose a 401(k)?

401(k) plans can be a powerful tool in promoting financial security in retirement. They are a valuable option for businesses considering a retirement plan, providing benefits to employees and their employers. Employers start a 401(k) for a host of reasons.

  • A well-designed 401(k) plan can help attract and keep talented employees.
  • It allows participating employees to decide how much to contribute to their accounts on a before-tax basis.
  • Employers are entitled to a tax deduction for their contributions to employees' accounts.
  • A 401(k) plan benefits a mix of rank-and-file employees and owner/managers.
  • The money contributed may grow through investments in stocks, mutual funds, money market funds, savings accounts, and other investment vehicles.
  • Contributions and earnings generally are not taxed by governments until they are distributed, facilitating faster compounding.
  • A 401(k) plan may allow employees to take their vested benefits with them when they leave the company, easing administrative burdens.