Is Your Current Retirement Plan Meeting Your Business Needs?

Every business is different and has its own unique challenges, needs, and goals. Just as your business is unique, your retirement plan should be, too. A good plan design is essential.

While you may feel like you are getting by with your current plan, if it does not meet your business’s needs or goals, it may be time to consider some changes. At TSC 401K, we want you to have a customized plan that is optimized for your needs and business goals.

Cross-Tested 401(k)

A cross-tested 401K plan enables employers to define classes of employees and provide a specific percentage for profit-sharing contributions for each class. This type of plan allows businesses to allocate a higher contribution rate to owners and other key personnel.

Cash Balance

A cash balance plan is a defined benefit (DB) plan that provides participants benefits through a “hypothetical” account that makes it look more like a profit-sharing plan. This type of plan is great for companies looking to contribute higher amounts for owners and key personnel into a tax-deferred plan than allowed in a stand-alone 401(k) profit-sharing plan.


A SIMPLE (Savings Incentive Match Plan for Employees) IRA Plan is a retirement savings plan that enables employers and employees to contribute to traditional IRAs. This type of plan may be suitable for very small businesses looking for an inexpensive plan to set up and operate; however, a SIMPLE IRA has lower contribution limits and less flexibility than a custom designed 401(k) profit-sharing plan.


A SEP (Simplified Employee Pension) IRA plan is an employer-contribution-only plan that allows businesses to set aside money in retirement accounts for owners and employees. A SEP has higher contribution limits than a SIMPLE IRA, but employers must contribute equally to all employees and employees cannot contribute to the plan.

TSC 401K is here to help businesses and their financial advisors select the best plan and customize it to their unique circumstances. When you partner with our team, we will develop a tailored proposal and help you update your plan as your business needs and goals change.

% Total Contributions to Owner & Spouse
% Employer Contribution to Employees

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Contact TSC 401K today to work with experts who make delivering the best possible retirement plan for your business simple and secure.

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