Plan designs

From $72K to $400K+
in annual deductions

The right plan depends on your age, income, and how many employees you have. Caliper runs the analysis — then builds the design.

401(k) + Profit Sharing
The foundation — best for any business owner
$72,000+
Maximum DC contribution per owner (2026 + catch-up eligible)
✓
$24,500 elective deferral
✓
New Comparability available
✓
Safe Harbor / QACA options
✓
$8,000 catch-up age 50+
Combo Plan
DC + Cash Balance — the maximum strategy
$330K–$400K+
Total deduction ages 55–63
✓
Full DC plan ($72K) stacked with DB
✓
Cash balance grows with age
✓
§415(b) limit — separate from DC
QACA / Safe Harbor
Auto-enrollment for workforce retention
Flexible
Employer contribution within your budget
✓
Auto-enrollment increases participation
✓
Vesting schedules protect employer
✓
Passes ADP/ACP automatically
✓
SECURE 2.0 auto-enroll credit
✓
Attract & retain working class employees