401(k) Contribution Confidence
When employees understand their 401(k), they save more and use their match. Fruition Mentors give them the clarity to act, and the plan passes testing more easily as a result.
Employee Problem
Younger and lower-earning employees often feel uncertain about how much to contribute to their 401(k) plan. This confusion frequently leads to under-contributing, missing out on company matching dollars, and falling behind on long-term retirement goals early in their careers.
Fruition Solution
Employees use the Fruition Retirement Calculator to model different contribution scenarios and instantly visualize their long-term retirement trajectory. Additionally, they can schedule 1:1 Fruition Mentor Sessions to receive clear guidance on matching rules, investment options, and vesting schedules, giving them full confidence in their savings choices.
Improves ADP/ACP Compliance
Higher participation and savings rates among Non-Highly Compensated Employees (NHCEs) help the company pass annual 401(k) non-discrimination testing.
Unlocks Executive Contributions
Successful compliance testing allows owners and Highly Compensated Employees (HCEs) to maximize their own pre-tax retirement contributions without refund threats.
Drives Total Reward Perception
Ensures employees fully recognize, appreciate, and utilize one of the company's most expensive benefit offerings.
