Safe Harbor 401(k)s are designed to allow owners and highly compensated employees (generally owners and those making over $120,000) to contribute up to the maximum dollar limit as their 401(k) elective deferral without regard to what other employees contribute. The maximum deferral for 2019 is $25,000 if a participant is age 50 or over. Guest Call In (516) 453-9107 Learn more about Safe Harbor 401(k) plans: https://mkginsuranceagency.com/business-owner-retirement-plans