 Hi, I'm Jenny Jennings and I'll be speaking about the benefits of a safe harbor plan design for 401k plans. In short, a safe harbor plan is a type of defined contribution retirement plan design that avoids any limitation on salary deferrals to the plan by highly compensated employees other than the annual cap on the dollar amount of contributions. The primary benefit of a safe harbor 401k plan is that the plan is deemed to satisfy the ADP test.