Take the Next Step in Employee Benefitst
Give your team the retirement tools they deserve—and your business the edge it needs to grow.
Employee Benefits – 401(k) Retirement Plans
At DRDA, LLC, we believe that employee benefits should be more than a checkbox—they should be a strategic advantage that helps your team build a secure future while supporting your company’s growth.
One of the most impactful benefits you can offer is a 401(k) retirement plan. With SmartPay and our experienced advisory team, you get a complete solution that simplifies plan selection, setup, and management—so you can focus on your business while helping your employees invest in theirs.
Let’s Start Planning
A 401(k) is more than just a retirement account—it’s a long-term financial tool that helps employees plan for their future while offering powerful tax advantages for both employees and employers.
With SmartPay and DRDA, you’ll receive expert support to:
Design a plan tailored to your business and team structure
Automate contribution processing and recordkeeping
Stay compliant with IRS and DOL regulations
Minimize administrative burdens
Whether you’re a small business owner or managing a growing company, our team is here to help you create a retirement benefits program that’s efficient, competitive, and rewarding.
What Is a 401(k)?
A 401(k) is a tax-advantaged retirement savings plan sponsored by an employer. Employees can elect to have a portion of their paycheck contributed to their 401(k) account automatically before taxes are withheld. These contributions can be invested in a variety of funds, allowing savings to grow over time.
Employers may also choose to match employee contributions up to a set percentage—an incentive that not only encourages saving but also improves employee satisfaction and retention.
Key Benefits:
Employee contributions are tax-deferred
Employer matching contributions are tax-deductible
Plans are customizable to suit a range of business types and employee demographics
With DRDA, setting up and managing a 401(k) becomes a streamlined, worry-free experience.
Why Offer a 401(k) Plan?
Offering a 401(k) plan is one of the most valuable benefits you can provide to your employees—and one of the smartest decisions you can make for your business.
Here’s why it matters:
Support employee financial wellness
Help your team plan for retirement with regular, affordable contributions.
Simplify payroll deductions
Contributions are automatically deducted from paychecks and invested into employee accounts.
Reduce administrative burden
DRDA and SmartPay handle the heavy lifting, from compliance to reporting.
Provide flexibility
You can make additional contributions or match employee contributions when it works for your budget.
Stay competitive
Attract and retain top talent by offering a modern, tax-advantaged retirement plan.
DRDA helps you take full advantage of retirement planning without the complexity.
Plan Types Offered
No two businesses are the same, which is why we offer multiple types of 401(k) plans to meet the needs of different employers. Here’s a breakdown of our most popular options:
Traditional 401(k)
A Traditional 401(k) allows employees to save for their retirement through pre-tax payroll deductions. Employers can optionally make matching contributions to encourage savings. These plans are subject to annual non-discrimination testing, which ensures that plan benefits are distributed fairly among employees.
Ideal for: Employers who want flexibility in matching and are comfortable managing annual testing requirements.
Safe Harbor 401(k)
This plan includes all the features of a Traditional 401(k) but avoids the need for annual discrimination testing by requiring a minimum employer contribution. This helps ensure that all employees benefit equally and that plan sponsors can maximize their own contributions without restriction.
Best for: Businesses that want a simple, compliant plan structure with guaranteed participation fairness.
Solo 401(k)
Perfect for sole proprietors or businesses with only the owner and spouse, a Solo 401(k) allows maximum contribution flexibility—including both employee and employer contributions—and includes access to loan features.
Advantages include:
- Pre-tax and Roth options
- Higher contribution limits than SEP-IRA or SIMPLE plans
- Plan loan availability
Start Planning with Confidence
DRDA provides end-to-end support for designing, launching, and administering your 401(k) plan. Our team ensures everything is:
Structured for compliance and long-term growth
Customized to your business’s goals and capacity
Seamlessly integrated with your payroll and reporting tools
Backed by expert guidance and industry best practices
When you’re ready to offer your employees a smarter way to save, DRDA is here to help you do it right.
Who We Are 
Services 
Tax Services 
Client Accounting Services 
Business Advisory 
Audit & Attestation 
Retirement Solutions 
Resources 