jpmurphjp

Thanks much. This confirms what I had convinced myself regarding the situation regarding the Safe Harbor 401k. For what it's worth, "in the first six months" refers to the start of the company which from a making money standpoint was in June of 2014. I am also looking into the alternative of making a contribution into our employees' HSA accounts. We currently do monthly matching. Can we (and would it make sense) do an additional lump sum year end 2014 contribution into the HSA's as an alternative?

Our company has done much better than expected in the first 6 months. As a result, we are able to and want to contribute the 4% profit sharing portion to all our employees. Unfortunately we elected 1 YOS for profit sharing eligibility on our Safe Harbor 401k plan. Any other options for us to be able to provide this contribution across the board to our employees?