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Resources

Why Ownership Is Confirmed Each Year

Leisha Gosling, MBA, CEBS, QKA, QKC | Plan Design |

Confirming ownership with RMS every year—even when nothing has changed—helps protect your retirement plan, reduce risk, and ensure continued compliance without surprises. Learn More >

"Cross-Testing" In Qualified Profit Sharing Plans - 2026

Plan Design |

A brief description of the mechanics of cross-testing and some general guidelines on which employers are good candidates for this plan design. Learn More >

Comparing 7 Defined Contribution Plan Designs - 2026

Plan Design |

When designing a defined contribution plan, it is important to understand how the various types compare. Learn More >

Cash Balance Plans Explained - 2026

Amber M. Lloyd, APA, CMFC, CFP®, ERPA | Cash Balance Plans |

Cash balance plans offer high contribution limits and flexibility. Learn More >

The Saver's Credit - 2026

Saver's Credit |

The saver's credit is a nonrefundable income tax credit for certain taxpayers with adjusted gross income that does not exceed $80,500. Learn More >

2026 Employee Benefit Indexed Limitations

PLAN LIMITS |

View the Employee Benefit Indexed Limitations for the 2026 plan year. Learn More >

403(b) vs. 401(k) - 2026

403(b) |

403(b) plans are generally subject to fewer technical requirements and less administrative burdens than 401(k) plans. Learn More >

401(k) Safe Harbor Rules – 2026

Safe Harbor Plans |

A description of the 401(k) safe harbor rules, as well as, the advantages and disadvantages of this plan design option. Learn More >

Document Retention

Leisha Gosling, MBA, CEBS, QKA, QKC | Documents |

Developing a filing system can make it easy for 401(k) sponsors to review, update, preserve, and dispose of documents. Learn More >

Changes for 2026

Leisha Gosling, MBA, CEBS, QKA, QKC | Roth Contributions |

Starting in 2026, the Secure 2.0 Act will require highly paid individuals who are 50 or older to make catch-up contributions to a Roth account instead of a pre-tax account. Learn More >

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