Illustrations for Your Business

Discover the Benefits of Tailored 401(k) Plans

Our customized 401(k) plans help small businesses reduce costs, maximize tax credits, and attract top talent. With SECURE Act 2.0 strategies, most of our clients cut costs by 90% or more — often reaching net‑zero cost. We align every plan with your goals to deliver real savings and a competitive advantage.

in available SECURE Act 2.0 tax credits for small businesses

$ 50000 +

average reduction in employer net cost for 401(k) plans

Over 25 %+

optimal window for maximizing benefits and tax credits.

15 - 25 Employees

potential annual tax savings for business owners

$ 10000 +

How Free 401(k) Illustrations Work

3-Minute Ownership & Payroll Questionnaire

Fill out our brief Questionnaire to share your business structure & employee demographics. No documents required.
Prefer best accuracy? Secure Upload (W-2s & Census)—you can also upload later.

We Optimize Credits, Deductions & Plan Design

Our experts model SECURE Act 2.0 credits, tax deductions, employer match/profit-sharing, and likely forfeitures to optimize your plan—then show PlanForge's Strategy compared to the average 401(k) in a simple side-by-side.

Receive PDF

You’ll receive a Customized PDF illustration of your potential savings and net cost, plus the option to schedule a 20-minute Zoom review to walk through the results.

20-min Zoom Review

Schedule a 20-minute Zoom review to walk through your Customized PDF, confirm assumptions, and choose the lowest-cost path. We’ll answer questions, coordinate with your CPA/payroll, and outline clear next steps—no pressure.

Success Stories

From $44,759 in profit‑sharing down to just $1,170 out‑of‑pocket. With tax credits, deductions, forfeitures, and the owner’s retained share, this business cut costs by 94.7% — saving $21,135 compared to the typical plan.

24 employees. $18,554 in contributions. $11,220 in SECURE Act tax credits. $2,714 in deductions. $3,876 retained by the owner. Net cost to the business? Just $744.85.

This 12‑employee business turned a $12,675 profit‑sharing plan into a net gain. After SECURE Act 2.0 credits, deductions, and the owner’s retained share, their net cost came out to –$142.50. Instead of paying more to the IRS, they reinvested tax dollars into their team — and even put money back in the owner’s pocket.

This business turned a $31,500 401(k) expense into a net gain! With $28,000 in SECURE Act 2.0 tax credits, deductions, and owner’s retained share, their net cost came out to –$330.48. Instead of paying more to the IRS, they invested those dollars back into their team.

We helped this business cut their 401(k) costs by over 91%! With our custom profit-sharing strategy, they reduced their total cost to just $1,631—compared to nearly $20,000 with a typical plan. If you have 15–75 employees, we’ll show you how much you can save too—with a free, no-obligation cost analysis.

We helped this business transform their 401(k) into a net gain instead of a cost. With our custom strategy, they saved over $11,000—reducing expenses by 102% compared to a typical plan. Real savings. Real results. Real strategy.

Get in Touch

Contact Planforge Consulting

We’re here to help small business owners implement cost-effective 401(k) plans. Schedule a free consultation or submit last year’s W-2s for a custom quote today.

Schedule a Free Consultation

Discover how much you could save on your retirement plan. Schedule your free consultation now or call us at 214-908-2310.

Submit W-2s or Questionnaire

Upload your last year's W‑2s or fill out our Owner questionnaire to receive a personalized illustration of your potential savings.

Reach Out Directly

Have questions or interested in partnership opportunities? Contact us by email at Partnerships@PlanForge401k.com or complete our 3-minute Partnership Form. We're happy to assist you.