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Qualified and Non-Qualified Retirement/Defined Contribution Plans
PPSAFI has the experience in computing tax savings, regulation compliance, and calculating risks, according to probabilities based on statistical records. We provide retirement plan and benefits consulting on qualified and non-qualified retirement plans.  Each plan is customized to accommodate a client's needs, whether they are a sole proprietor, partnership or corporation. Our plan designs include many features that allow our clients to maximize retirement savings while minimizing the amount of taxes they are paying for themselves and their organizations. 

We maintain the compliance of these plans by performing the legal implementation and annual administration, including ADP (Actual Deferral Percentage) and ACP (Actual Contribution Percentage) tests, commonly referred to as non-discriminatory testing, preparation and filing of IRS tax forms required on these plans.

Our approach is very different from our competitors in that we offer a hands-on, hassle-free and integrated approach. This allows our clients the freedom to focus on running their business while PPSAFI handles all aspects of their retirement and benefit plans. Sample plan designs can be found on our Resources page and to help further explain why your TPA is so important, read What is a TPA? (And Why You Should Care).

Types of Defined Contribution Plans (Qualified & Non-Qualified)
401(k) Plans
        • Basic 401(k) Plans with or without Match  
        • Solo 401(k) Plans
        • Simple 401(k) Plans
        • Safe Harbor 401(k) Plans    
        • Roth 401(k) Plans  
        • Automatic Enrollment Plans

Profit Sharing Plans
        • New Comparability Plans (Class Allocated)  
        • Combination Profit Sharing Plus 401(k) Option  
        • Plans Integrated with Social Security

Other Retirement & Savings Benefit Programs
        • Welfare Benefit Plans (Plan Design and Consulting)​
        • 403(b) Plans
        • 457(b) and 457(f) Non-qualified plans for Non-profit Organizations 
        • Simple IRAs
​        • Simplified Employer Pension Plans (SEP)  
        • ESOPS

Qualified Defined Benefit/Cash Balance Design

Plan Design and Consulting
A cash balance plan is a type of defined benefit plan that can be easier understood than the traditional plan of the past.  Each participant has an individual account similar to a 401(k) plan. 

Advantages of Cash Balance Plans are:
        • Larger Pre-Tax Contributions
        • Acceleration of Retirement Savings
        • Combination of a 401(k) Profit Sharing for more flexibility
        • Portable in the event of job change or termination
        • Assets protected from creditors in the event of bankruptcy
        • Greater flexibility than the traditional Defined Benefit Plans

Candidates for Cash Balance Plans
        • Owners/Partners who want to contribute more than $59,000
        • Companies that have demonstrated consistent profits
        • Organizations already maximizing benefits with the 401(k) profit sharing plan
        • Owners/Partners who are over age 45 and want to “catch up” on their retirement savings

Cash Balance Plans, whether alone or in combination with 401(k) profit sharing, can offer larger tax savings. With the many increases in taxes over the last few years, these combo plans can decrease the taxes you have been paying. The savings is not dollar for dollar, however it can lower your tax savings in many cases by 43%.  It all depends on the type of organization you have and the demographics of your company. 

These plans have been used by many professional organizations such as law firms or medical practices.  However, any business owner who pays a significant amount of taxes should consider this option.

As Defined Benefit and Cash Balance consultants, we specialize in designing these types of plans. We maximize the benefit to the business owners while complying with all the very complex combined plan limits, deductible limits and non-discrimination rules.   

Other Types of Defined Benefit Plans
        • Traditional Plans  
        • Combination 401(k) Profit Sharing and Cash Balance Plan
        • Implementing Life Insurance into Plans

Actuarial/Third-Party Administration (TPA) Services

Priority Pension Services