Retirement & 401(k) Plans That Build Workforce Loyalty

BBSI provides a full‑service, multiple‑employer 401(k) plan that includes plan design, administration, compliance support, payroll integration, and employee education. The program is designed to simplify retirement benefits for employers while improving employee participation.

BBSI’s bundled 401(k) program is offered in partnership with NWPS, Morgan Stanley, and Charles Schwab. Together, these partners deliver plan administration, investment management, recordkeeping, and participant support.

A traditional 401(k) plan allows employee tax‑deferred contributions but is subject to annual nondiscrimination testing. A Safe Harbor 401(k) allows employers to avoid most testing requirements by making specified employer contributions.

BBSI offers multiple Safe Harbor options, including basic match, enhanced match, QACA match, and non‑elective designs.

A multiple‑employer plan allows many businesses to participate in one IRS‑approved retirement plan. This structure offers access to institutional‑level investment options, reduced administrative burden, shared fiduciary oversight, and full compliance support.

PEO‑managed 401(k) plans typically offer higher contribution limits, more flexible plan design, and fewer administrative responsibilities. BBSI manages deductions, contributions, filings, and compliance, while employees gain access to professional financial advisors.

Unlike state‑mandated plans, PEO plans allow employer contributions and broader investment options.

Yes, business owners can participate in the same 401(k) plan offered to employees. Safe Harbor plan designs offered by BBSI help satisfy nondiscrimination requirements and allow owners to maximize contributions while maintaining compliance.

BBSI integrates retirement plan administration directly with payroll through the myBBSI HRIS platform. This includes contribution calculations, payroll deductions, eligibility tracking, file feeds, and reporting, helping reduce errors and administrative workload.

Yes, employees receive ongoing education and support, including plan guides, enrollment resources, and access to financial advisors through Morgan Stanley. This helps employees understand their options and make informed retirement decisions.

Yes, the BBSI 401(k) plan supports rollovers and transitions. BBSI assists new clients with plan onboarding and rollovers from prior providers, and supports employees if a business later changes plans.

Yes, BBSI Retirement Program Administrators can provide compliance guidance and answer regulatory questions for existing 401(k) plans, even if they are currently managed by another provider.