Defined Contribution Plans

Defined Contribution Plans

Defined Contribution Plans are a cornerstone of retirement savings, providing employees with the opportunity to contribute a portion of their salary towards their future while employers can add matching or discretionary contributions. Our expert third-party administration services ensure your defined contribution plan is structured and maintained for maximum effectiveness, compliance, and value.

We handle all aspects of administration, from plan document preparation to annual compliance testing and government reporting, allowing you to offer a retirement plan that works seamlessly for your organization and its participants.

With our focus on defined contribution plans such as 401(k), profit-sharing, and money purchase plans, we help you design a plan that suits your business goals while attracting and retaining top talent. We assist with employee communications to ensure participants understand the plan’s benefits and contribution options, helping them take full advantage of their retirement savings opportunities.

By combining strategic guidance with efficient administration, we help you make the most of your defined contribution plan while ensuring ongoing compliance and operational excellence.

Taxes written on hanging tags

5 Best Retirement Plans for S-Corp Owners [Hint: Not a SEP]

I get it. No one likes to pay taxes. That’s why qualified retirement plans are …

ETrade Solo 401(k): The Top 3 Questions to Ask

At Emparion, we are big fans of Etrade in the retirement space. But how much …

Charles Schwab Solo 401(k) Plan: The #1 Way to Maximize

Schwab solo 401(k) plans are without a doubt a great option for small business owners. …

Vanguard Solo 401(k) Plan: 5 Critical Strategies [Template]

Vanguard is a favored custodian in the small business retirement space. For many companies we …

Fidelity Solo 401(k): 5 Surprising Tips to Maximize Contributions

Solo 401(k)s are one of my favorite retirement structures. And I am a big fan …

Lightbulb row

Can you have a defined benefit plan and a 401(k) plan?

By now you are probably aware of the advantages of defined benefit plans. They offer …

Learning

➤ Annual Administration

➤ Contribution Limits

➤ Defined Contribution Plans

➤ Eligibility

➤ Formula & Testing

➤ Investments

➤ IRS Rules

➤ Plan Design

➤ Plan Set Up

➤ Pros & Cons

➤ Tax Treatment

➤ Mega Backdoor Roth

➤ Life Insurance

➤ Plan Testing

Services

Cash Balance Plans

Defined Benefit Plans

Third-Party Administration

Personal Defined Benefit Plan

Get an Illustration

➤ PPLI

Calculators

➤ Solo 401(k) Profit Sharing Calculator

➤ Defined Benefit Calculator

➤ CB + PS Calculator

➤ 31% Rule Calculator

About Us

Cash Balance Plan

Preferred Vendors

Contact

480-297-0080

Emparion, LLC does not provide legal, investment or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact financial results. Emparion cannot guarantee that the information herein is accurate, complete, or timely. Emparion makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Please consult an attorney or tax professional regarding your specific situation.