401(k) Plans for Your Business

We help small business owners turn retirement plan costs into tax savings. With SECURE Act 2.0 credits and smart plan design, most of our clients reduce 401(k) costs by 90% or more. Many even reach net-zero cost.

401(k) Plan Services for Small Businesses

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

How do we do it? First, we look at your team’s W-2 data to find every credit and deduction you qualify for. Then we design a plan that fits your goals and budget. Finally, we handle the full setup so you can focus on your business.

As a result, you get a retirement plan that pays for itself. At the same time, your employees get a benefit they truly value.

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.

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 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.