how do I choose between a traditional and safe harbor 401k employer match vesting design for my consulting firm
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
how do I choose between a traditional and safe harbor 401k employer match vesting design for my consulting firm
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS 401(k) safe harbor plan matching contributions 100% vested ADP ACP testing traditional matching contributions vesting schedule Google ↗
IRS 401(k) matching contributions vesting schedules 3 year cliff 2 to 6 year graded safe harbor notice requirements Google ↗
- Issue Snapshot - Vesting schedules for matching contributions · irs.gov
- FAQs about Retirement Plans and ERISA · dol.gov
- 401(k) Plans For Small Businesses · dol.gov
- 2025 Publication 560 · irs.gov
- 401(k) plan fix-it guide - 401(k) plan - overview · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 401(k) safe harbor plan matching contributions 100% vested ADP ACP testing traditional matching contributions vesting schedule OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
IRS 401(k) matching contributions vesting schedules 3 year cliff 2 to 6 year graded safe harbor notice requirements OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |