Been a while since I looked at safe harbor 401ks, but I think you just have to offer it, not force employees to join. And admin costs are going down; I think s

Been a while since I looked at safe harbor 401ks, but I think you just have to offer it, not force employees to join. And admin costs are going down; I think something like $50 +$8/per/mo on Guideline. Not nothing obviously, but can be recouped pretty quickly if you're maxing out even just employee contribution.