Employer Retirement Plan Accounts

Employer Retirement Plan Accounts groups related personal finance terms inside Accounts and Contribution Rules. Personal-finance terms for 401(k), 403(b), 457, CODA, salary-reduction, safe-harbor, and solo retirement arrangements.

Use this subsection when the question is about household planning, retirement accounts, payments technology, or tax effects on finance decisions rather than a broad legal or product directory.

In this section

• 401(k) and 403(b) Retirement Plans
  Employer retirement account terms for 401(k), 403(b), Roth, safe-harbor, and solo plan variants.
  • 401(k) Plan
    Employer-sponsored U.S. retirement plan combining payroll contributions, tax advantages, and often employer matching.
  • 403(b) Plan
    Retirement plan for public-school employees, ministers, and certain tax-exempt organizations, often compared with a 401(k) but built around a different eligible workforce.
  • Roth 401(k)
    401(k) contribution option funded with after-tax money, trading current tax relief for tax-free qualified withdrawals later.
  • Safe Harbor 401(k)
    401(k) design that uses required employer contributions to simplify key nondiscrimination compliance requirements.
  • Solo 401(k)
    401(k)-style retirement plan built for self-employed people and owner-only businesses.
• 457, CODA, and Salary Reduction Arrangements
  Salary-reduction and deferred employer plan terms for 457 plans, CODAs, and payroll elections.
  • 457 Plan
    Deferred-compensation retirement plan used mainly by state and local government employers and some tax-exempt organizations.
  • Cash or Deferred Arrangement (CODA): A Key Component of Modern Retirement Planning
    Detailed exploration of Cash or Deferred Arrangement (CODA), commonly referred to as 401(k) plans in the United States, including types, benefits, historical context, and related terms.
  • Salary Reduction Plan: Tax-Advantaged Employee Savings
    A Salary Reduction Plan allows employees to have a certain percentage of their gross salary withheld and invested in options like stocks, bonds, or money market funds.