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Writer's pictureRetirement Partners of Hawai'i

401(k) Matching Formulas that could Boost Participation without Breaking the Budget


Offering a retirement plan shows your employees that you are committed to helping them save for their future. A matching formula is a great way to give a little bit more to your employees and increase contributions!


There are many matching formulas that can boost contributions and won’t break your bank or budget. Here are three to consider:

  • Safe Harbor

  • Graded Vesting

  • Cliff Vesting

In this guide, you will gain insights about these three formulas, their advantages and eligibility requirements.



Retirement Partners of Hawai`i 1003 Bishop Street Pauahi Tower, Suite 880 Honolulu, Hawai`i 96813 Phone: (808) 681-7799 info@retirementpartnersofhawaii.com www.RetirementPartnersofHawaii.com


Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

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