DB / DC Combo Plans

A DB/DC Combo Plan is an advanced plan design strategy that runs a traditional 401(k) plan side by side with a Cash Balance Plan. We have designed DB/DC Combo plans that have allowed each owner to contribute over $300,000 per year all pre‐tax. Below is a summary of the plan features:

Type of Company No restrictions
Establish Deadline December 31st
Owner Pre-tax Contribution $69,000 – $330,000+
Employer Contribution Actuarial Formula
Annual Admin Cost $4,000+
Investments Participant Directed & Pooled Acct

The employees are able to benefit from the features associated with a 401(k) plan: employee deferrals, loans, participant directed investment accounts, and rollover options. While the owners are able to access higher levels of pre‐tax savings through the use of the Cash Balance Plan which is a defined benefit plan. This plan design works best for companies that have predicable cash flow, the owners have high levels of compensation, and there are less than 20 eligible employees.

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Welcome To Our Virtual Retirement Plan Services

  • Easy Plan Setup

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  • Low Fees

  • Flexible Investments

  • No Call Centers

  • Employee Education (if applicable)

  • Retirement Planning

  • Video Conferencing For Review Meetings

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All of our services start with a complimentary consult. We can assist you in determining which plan is the right fit for your company.

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Type of Retirement Plans