PlanForge Consulting
Profit Share Illustration
Real Business #210
2025 Plan Year
All employer contributions shown are voluntary and discretionary — there is no required contribution under this strategy.
PLANFORGE STANDARD
Reward Your Team, Not the IRS
in tax savings
PLANFORGE OPTIMIZED
More for You. Less for Uncle Sam.
in tax savings
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Both plans pass all IRS nondiscrimination requirements.
HOW IT WORKS
PlanForge Standard
PlanForge Optimized
FINANCIAL IMPACT COMPARISON
OWNER'S RETIREMENT SNAPSHOT
WHAT IF WE ADJUST THE EMPLOYEE RATE?
Changing the employee rate adjusts the owner's allocation and net cost. Below 5%, the gateway test caps the owner at 3× the employee rate. Click a scenario to update the illustration — click it again to return to the original view.
FORFEITURE BENEFIT
Employees who leave before fully vested forfeit their unvested profit sharing balance, reducing future plan costs.
This illustration is based on current census data and IRS limits for the plan year shown. Actual results may vary based on final compensation, employee changes, and plan amendments. This is not tax or legal advice. Consult your tax advisor and ERISA counsel. All contributions are voluntary and discretionary. SECURE 2.0 credits subject to eligibility requirements.
Owner's retained share is not a business expense — it goes directly into the owner's retirement account and is deducted from net cost.
