re: 401(k) discrimination testing

quote:

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100 % of the first 4 % contributed.

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Now I'm really confused. I thought the two things that a company could do to start a safe harbor 401k was to either offer 100% dollar for dollar match on the first 4% of each employee's total yearly compensation that the employee chooses to invest themselves or put 3% of each employee's yearly compensation directly into that employee's 401k plan whether or not the employee makes a voluntary contribution themselves, as long as all money in the plan was 100% vested from day one.

It seems that your employer's 4% dollar for dollar matching meets the requirements, as long as it's 100% vested from day one. Why does your company not have a safe harbor plan already?

I might be missing something here.