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[Music] gmss 401k plan is something called a multiple employer plan most companies when theyre starting a 401k they go out and start whats called a single employer plan just for their company and their business with a multiple employer plan its multiple companies coming together under one plan document so basically GMS we act as the plan sponsor were the trustee were the named fiduciary on the plan and then any business that partners with GMS through our co-employer relationship is able to join our plan as whats called an adapting employer theres tax advantages to a retirement plan it allows employees to contribute on a pre-tax basis specifically with a 401k that can contribute on an after-tax basis which is a Roth in addition it allows people to get into investing without having to throw out huge lump sums of money to start so oftentimes they might have to come up with 500 or a thousand dollars to open up an account with a 401k you can start as little as ten dollars per pay yo
