The best replacement for safe harbor is non safe harbor.

The best alternatives to safe harbor are rated as following:
★★★★★  non safe harbor
★★★★  profit sharing
★★★★  rebuttable presumption
★★★★  traditional 401k
★★  traditional 401 k
  non-safe harbor

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Speaking about safe harbor, one probably shouldn't forget about 401k.

Other search terms related to safe harbor and their ratings are:
★★★★★ 401k
★★★ ayp
★★ profit sharing
★ 401k plan
You have in mind a companion for safe harbor and it is not yet here? Propose!



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safe harbor
non safe harbor
profit sharing