Contact Us

Ready for Your Custom Savings Illustration?

You have seen what a PlanForge 401(k) can do for businesses like yours. Now let us build an illustration tailored to your actual numbers. This short questionnaire (about 5 minutes) gives us everything we need to design a plan around your company's structure, your goals, and your bottom line.

When you are done, we will put together a detailed, personalized report showing your projected tax savings, employer credits, and the net cost of your plan. No obligation, no pressure, just real numbers so you can make a smart decision.

Pay your team, not the IRS.

Nick Moore
Nick Moore, CFP®
Founder, PlanForge Consulting
PlanForge Consulting
401(k) Ownership & Business Questionnaire
Help us design the ideal plan for your business. Takes about 5 minutes.
Plan Status Business Pay Ranges Owners Contact
Welcome back! You have a saved draft.
Pick up where you left off?

This browser has answers saved from an earlier version of this questionnaire. Confirm two quick things so they stay with the right business.

Not sure? Start fresh. Your earlier answers stay saved in this browser, and PlanForge can help you find them.

Fields pre-filled from the Tax Savings Calculator. Please review and adjust as needed.
Plan Status & Ownership
Let's start with where you are today.
Pick Solo 401(k) and we will only ask about you, plus your spouse if they work with you.
This determines controlled group status for testing & tax credit eligibility.
Controlled Group Details

Family members (siblings, parents, grandparents) with ownership may also create a controlled group. This impacts tax credit eligibility. Owners and their controlled group are not eligible for SECURE Act credits.

Controlled Group: Family Employees
Who qualifies as a controlled group family member?
Under IRC attribution rules, the following relatives of an owner are considered related parties: spouse, children (and grandchildren), parents (and grandparents), and siblings. If any of these family members work at the company, they are classified differently for plan testing purposes.
This helps estimate vesting forfeitures.
Select all that apply
e.g. Fidelity, Vanguard, John Hancock, ADP, Guideline
Total admin + recordkeeping + advisory fees (a rough estimate is fine)
Business Basics
Tell us about your company structure and workforce.
Upload payroll data for the most accurate illustration, or enter counts manually
Upload Employee Data

Upload your employee list (Excel or CSV) with each person's age, annual pay, and whether they're an owner, HCE, or regular employee. We fill in the form from it when we can, and the file itself is sent to our team securely when you submit.

Have payroll data? Upload an Excel or CSV file to fill in the employee counts and details below.

↓ Excel template ↓ CSV template

ADP / RUN Powered by ADP

  1. Go to Reports > Standard Reports
  2. Run the Employee Census or Worker Demographics report
  3. Click Export and choose Excel or CSV
  4. Save the file, then upload it here

Gusto

  1. Go to People > Team Members
  2. Click the Actions dropdown > Download team roster
  3. The file downloads with names, pay, and dates of birth. Upload it here as is

Paychex

  1. Navigate to Reports > Employee Information
  2. Select Employee Listing or Demographics Report
  3. Set output format to Excel or CSV and click Run Report

QuickBooks Payroll

  1. Go to Reports > Employees & Payroll
  2. Run Employee Contact List or Payroll Summary
  3. Click Export to Excel and upload that file here. No need to convert it

Other Providers

  1. Look for an Employee Census, Demographics, or Roster report
  2. Export as Excel or CSV (we accept both)
  3. The file should include employee names, ages or dates of birth, and annual pay
Tip: Don't have a file? No problem. Click "Enter employee counts manually" above to type in the numbers instead.
📄
Drop files here or click to upload
Employee list, census, or payroll report (Excel, CSV, or PDF, up to 25 MB each)

Or enter employee counts manually instead

Only count employees who get a W-2 from the company.

Anyone who owns more than 5% of the company.
Employees who aren't owners and earned more than $160,000 in 2025. Also count any family member of an owner (spouse, child, parent, grandparent) who works here, whatever they earn.
Everyone else who gets a W-2 from the company.
Helps estimate cross-testing benefit factors (a rough estimate is fine)
You can provide each employee's age and pay instead of averages
Individual Employee Data

Each employee's age and annual pay for the most accurate cross-testing illustration.

Pay Ranges
Annual pay in dollars, before taxes. Estimates are fine. We'll fine-tune during plan design.
Annual pay in dollars, before taxes.
Lowest HCE salary
Highest HCE salary
Annual pay in dollars, before taxes.
Lowest NHCE salary
Highest NHCE salary
Owner Compensation
How are the owners compensated?
Annual W-2 salary in dollars, before taxes.
Preferences & Contact
Almost done! Let us know how to reach you.
When would you like the new plan (or upgrade) to go into effect?
Review Your Answers
Make sure everything looks right before submitting.
✓

Thank You!

We've received your information. A PlanForge consultant will review your answers and reach out within 1 business day with a preliminary plan illustration.

Want to get started sooner?

Skip the wait, schedule a complimentary plan design consultation directly on our calendar.

Schedule a Consultation
or

We'll reach out within 1 business day either way. No action needed.

Sent! Your CPA will receive a summary.
PlanForge Consulting | Confidential

Discover the Benefits of Tailored 401(k) Plans

Our custom 401(k) plans help small businesses cut costs, earn more tax credits, and keep great employees. With SECURE Act 2.0, most of our clients save 90% or more.

Fill out the short form below to get started. It takes about three minutes. Once we have your answers, we build a free savings report just for your business.

You will see exactly how much you could save before you make any decisions.

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

Tell Us About Your Business

Answer a few quick questions about your business structure and team size. It takes about 3 minutes and no documents are needed. We use this to model SECURE Act 2.0 tax credits, deductions, and the plan design that saves you the most.

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 we show PlanForge's Strategy compared to the average 401(k) in a simple side-by-side.

Get Your Custom Savings Report

Within one business day, you'll receive a personalized PDF showing your projected tax savings, credit offsets, and net plan cost. Every illustration is built around your actual payroll and ownership data, not generic estimates.

Review the Numbers Together

Have questions? Schedule a 15-minute call to walk through your report, confirm assumptions, and see exactly how a net-zero cost 401(k) works for your business. No pressure, just clarity.

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.
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.
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 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.
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 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.
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 build 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.

Launch When You're Ready

Once you're comfortable with the numbers, we handle everything: plan documents, payroll integration, employee enrollment, and ongoing compliance. Most plans are live within 2-3 weeks. You focus on your business while we take care of the rest.

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.

Privacy Policy.

Terms of Service.

© 2026 PlanForge Consulting. All rights reserved. 

Facebook Linkedin Envelope Calendar-plus
PlanForge Consulting
Schedule a Chat →