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hello Im Beth Harrington welcome to todays question of the week todays question was submitted by one of our clients asking us what the rules are for delivering safe harbor notices we have another video on our website that talks about safe harbor plans so if you have questions about safe harbor plans you can check that out so today were going to talk just about the notice requirement so if your 401 k plan or 403 b plan is a safe harbor plan the employer must deliver a notice to the employees 30 to 90 days before the beginning of the plan year since most of our plans are calendar year that means our 30-day limit is coming at December first of 2013 4 2014 plan years the safe harbor notice includes information about the plan it includes information about the safe harbor election and provides the employee some information about whom to contact should they have additional questions a safe harbor plan is either a non-elective safe harbor where three percent of pay goes to everyone in tha
