re: What to do with extra monthly cash flow in my scenario?

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Are these type plans more typical for smaller businesses vs large corporations?

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I don't know if one group is more likely to have them than the other. I've seen companies of all sizes have safe harbor plans.

To be a safe harbor plan, you either have to give all eligible participants a flat 3 percent (regardless of their contribution level) or you have to do a match plan of dollar for dollar for first 3 percent and 50 cents on the dollar for the next 2 percent.