Cash Balance Plan Providers

Cash balance plan providers manage employer-funded retirement plans that offer tax advantages to employees, with contributions made exclusively by the company rather than the employee.
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Empower Retirement

Empower Retirement

Reviews pending
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Founded

1907

Employees

5,001

Funding Summary

Not Provided

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About Empower Retirement

Empower Retirement is guided by a vision to revolutionize workplace retirement savings. We believe people deserve better than a one-size-fits-all solution. That’s why we take a collaborative approach to retirement planning that’s driven by personalization, simplification and exceptional service. And this approach has helped us grow into the nation’s second-largest¹ workplace retirement savings company.
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Fiducient Advisors

Fiducient Advisors

5.0 (1)
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-

Lives Serviced

-

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We have more than a decade of extensive experience with cash balance plans, particularly professional service firms with a focus on law firm partner plans. We remain committed to our basic philosophy that... Show More
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Alight Solutions

Alight Solutions

3.8 (15)
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Min. Group Size

1,000 eligible

Lives Serviced

-

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Alight provides comprehensive cash balance plan administration services designed to support both straightforward and highly customized plan designs. Our administration platform supports a broad range of cash balance formulas, including flat pay credits,... Show More
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401GO

401GO

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Founded

2018

Employees

28

Funding Summary

7.5M Seed Round

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About 401GO

The most innovative 401(k) platform in the world! We build our system from scratch to solve one of the most important solutions you need to strengthen your business. The 401(k) industry is expensive, slow and very inefficient. We created 401GO to solve these problems allowing you to focus on your future and your business. We look at retirement outside of the box, automating all the things that normally are handled by your business and giving you the freedom to get back to what you do best.
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CRS

CRS

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Founded

1970

Employees

30

Funding Summary

Not Provided

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About CRS

Creative Retirement Systems (CRS) is a third-party administrator that delivers retirement plan consulting, design and administration to businesses, entrepreneurs and financial advisors. It works on 401(k), cash balance, defined benefit and profit sharing plans, and its site also lists ESOP and 457 plans, fiduciary 3(16) services and payroll services. Services include plan design consulting and illustrations, plan document customization and maintenance, ongoing compliance testing, distribution processing, year-end tax reporting, Form 5500 filing and audit assistance. CRS states that it is fee-for-service and does not sell investments, and that it works with financial advisors, accountants and recordkeepers. The company reports that... Show More
CBIZ

CBIZ

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Founded

1987

Employees

0

Funding Summary

Not Provided

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About CBIZ

CBIZ provides its clients with financial services including accounting, tax, financial advisory, government health care consulting, risk advisory, real estate consulting, and valuation services. Employee services include employee benefits consulting, property and casualty insurance, retirement plan consulting, payroll, life insurance, HR consulting, and executive recruitment.
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Charles Carroll Financial Partners

Charles Carroll Financial Partners

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Founded

2008

Employees

0

Funding Summary

Not Provided

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About Charles Carroll Financial Partners

Charles Carroll Financial Partners is an independent financial planning and investment advisory firm serving clients throughout the U.S.As independent fee-only financial advisors, our priority is helping clients to achieve their personal financial goals using some of the most sophisticated investment management and financial planning tools in the marketplace.
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Kravitz, Inc

Kravitz, Inc

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Founded

1977

Employees

0

Funding Summary

Not Provided

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About Kravitz, Inc

Kravitz is the national leader in Cash Balance plan design and administration, providing innovative tax-efficient retirement plans to more than 1,200 companies across the country. Founded in 1977, we are a full service actuarial and retirement plan consulting firm, headquartered in Los Angeles with offices in New York and satellite offices in nine states.
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Lurie

Lurie

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Founded

1940

Employees

0

Funding Summary

Not Provided

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About Lurie

Lurie is a different kind of accounting and advisory firm, made great by exceptional talent, entrepreneurial spirit and drive. For the 5th year in a row Lurie, LLP was named one of the “100 Best Companies to Work For” by the Minnesota Business Magazine, was also named one of the “2018 Best Accounting Firms for Women,” by the Accounting & Financial Women’s Alliance and in 2018 was recognized as one of the “Top 200 Firms” by Inside Public Accounting.
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NWPS

NWPS

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Founded

1994

Employees

193

Funding Summary

None

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About NWPS

NWPS was started in 1994 to provide high-quality service for benefit plan sponsors, participants and advisors. We have no conflicts of interest with investments, insurance or other lines of business.

Services
Plan consulting and design
Recordkeeping and actuarial
Compliance and administration
Communication and participant services

We employ imaginative, creative, and practical approaches to meet client needs and address new developments. We work closely with our clients to ensure that their benefit plans are as efficient and effective as possible. Show More
October Three Consulting LLC

October Three Consulting LLC

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Founded

2009

Employees

0

Funding Summary

Not Provided

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About October Three Consulting LLC

October Three Consulting, LLC is a full service actuarial, consulting and technology firm that is a leading force behind the reemergence of defined benefit plans across the country. A primary focus of the consultants at October Three is the design and administration of comprehensive retirement benefits to employees that minimize the financial risks and volatility concerns employers face.
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Redrock Wealth Management

Redrock Wealth Management

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Founded

2005

Employees

0

Funding Summary

Not Provided

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About Redrock Wealth Management

We help our clients find their balance between spending too much, and living too little. Once we help them find that balance, we help them execute a comprehensive retirement plan designed to squeeze every last dime out of their retirement.For those clients already retired, we help keep them on track by creating, monitoring, and maintaining a cohesive plan. We help them coordinate all aspects of their wealth, and consider ourselves the ultimate steward of their financial future!
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True North Retirement

True North Retirement

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Founded

2007

Employees

0

Funding Summary

Not Provided

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About True North Retirement

We spend all our time focused on building a retirement benefits program that actually generates results. We work to save you time, money and frustration. The truth is, most advisors just dabble in the 401k, which means you get sold a product and they disappear. We LOVE helping businesses grow through a successful 401k program. In order to do this, we expect your trust and help in executing a long term custom roadmap. We help ALL your employees from front desk to the corner office with the same care and attention. As specialists in the 401k market, you can feel... Show More
Wegner CPAs

Wegner CPAs

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Founded

1949

Employees

101

Funding Summary

Not Provided

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About Wegner CPAs

Wegner CPAs is about people – our clients, our employees, our community. Our professionals guide individuals, businesses and nonprofits with personal service, education, and knowledge. We listen, research, advise, and implement solutions to guide you on a path to succeed in today’s complex economic environment.Guiding You. Beyond the Numbers. Is the No. 1 reason we come to work each day at Wegner CPAs. We care about doing what is right for our clients and our community. We pride ourselves on the same things that you do – quality, reliability, and integrity. You look to us not only for accounting and... Show More
Aldrich

Aldrich

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Founded

1973

Employees

0

Funding Summary

Not Provided

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About Aldrich

Aldrich, formerly known as AKT, is a Top 100 regional firm of advisors, independent Certified Public Accountants and business consultants providing tax, accounting, business advisory, valuation and employee benefit consulting services to private, public and nonprofit organization. Serving clients throughout the west from locations in Oregon, California, and Alaska. We specialize in a variety of industries including healthcare, manufacturing, construction, telecommunications and electric utilities, public sector, agribusiness, privately held growth oriented and emerging companies among others.
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Dedicated Defined Benefit Services

Dedicated Defined Benefit Services

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Founded

2001

Employees

0

Funding Summary

Not Provided

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About Dedicated Defined Benefit Services

Dedicated Defined Benefit Services supports high income clients and their financial advisors with the sale and servicing of Defined Benefit (DB) retirement plans. These plans can allow large tax deductions with annual plan contributions of $100,000+ for Independent Professionals, Small Business Owners and people with self-employment Income, including the income of a working spouse.
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DWC The 401(k) Experts

DWC The 401(k) Experts

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Founded

1999

Employees

51

Funding Summary

Not Provided

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About DWC The 401(k) Experts

When you work with DWC you don't have to choose between fast turnaround times and quality. We provide detailed advice and reporting based on expert analysis and a thorough quality review process. Our documented service commitment is that we will prepare our detailed Annual ERISA Compliance Review (including testing and contribution calculations) for your plan no later than 45 days from the day we receive your information. In practice, we usually deliver within two weeks.
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Fiduciary Investment Advisors, LLC

Fiduciary Investment Advisors, LLC

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Founded

2006

Employees

101

Funding Summary

Not Provided

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About Fiduciary Investment Advisors, LLC

We oversee investment programs for corporate and non-profit defined contribution retirement plans, corporate and governmental pension plans, non-profit endowments and retirement plans, foundations and other institutional investment pools and wealthy families. Our clients include corporations of all types, law firms, physicians practices, healthcare organizations, colleges & universities, preparatory schools, cultural organizations, community and family foundations, municipalities and captive insurance companies.
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Findley

Findley

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Founded

1969

Employees

0

Funding Summary

Not Provided

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About Findley

We are an independent human resources and employee benefits consulting and solutions firm that delivers value, responsiveness, and expertise to help clients navigate today’s evolving business environment. For 50 years, we have partnered with clients to align people and benefits strategies with business goals.
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Fisher Investments

Fisher Investments

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Founded

1979

Employees

0

Funding Summary

Not Provided

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About Fisher Investments

We specialize in 401(k) period. We are one of the largest 401(k) plan advisers for small and mid-sized businesses in the country and an institutional money manager. Our dedicated team of 401(k) professionals take the time to understand your business needs. You and your employees will benefit from a custom 401(k) solution.
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Frequently Asked Questions

What is a Cash Balance Plan?

A cash balance plan is a type of defined benefit pension plan where employers make all contributions and employees receive a guaranteed account balance that grows with annual credits plus interest. Unlike 401(k)s, employees don't contribute their own money.

How does a Cash Balance Plan differ from a 401(k)?

Cash balance plans are entirely employer-funded with guaranteed returns, while 401(k)s typically require employee contributions and have investment risk. Cash balance plans also allow much higher contribution limits, especially for older, higher-paid employees.

Who is Eligible for Cash Balance Plans?

Eligibility varies by plan design, but typically includes all employees who meet age and service requirements set by the employer. These plans are popular with professional practices, small businesses with older owners, and companies wanting to provide generous benefits.

What are the Contribution Limits?

Cash balance plans allow significantly higher contributions than 401(k)s - often $100,000+ annually for older participants. Limits depend on age, income, and years of service, with IRS annual maximums that change yearly.

Are there Tax Advantages?

Yes, employer contributions are tax-deductible for the business, employee benefits grow tax-deferred, and participants only pay taxes when they receive distributions, similar to traditional retirement plans.

How do I choose a Cash Balance Plan Provider?

Look for providers with actuarial expertise, administration experience, competitive fees, technology platforms for plan management, and strong customer service. Many work with existing retirement plan advisors.

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