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

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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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Emparion

Emparion

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Founded

2017

Employees

0

Funding Summary

Not Provided

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About Emparion

At Emparion, we are a leading provider of strategic retirement services. We are third-party administrators and not financial advisors or custodians.Our goal is to educate our clients on strategies that aren’t often understood or implemented by CPAs or financial planners. We examine your situation and offer strategic advice to lower your tax bill and help you grow your retirement.
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Fiducient Advisors

Fiducient Advisors

5.0 (1)
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Product Description

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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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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Franklin Templeton

Franklin Templeton

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Founded

1947

Employees

5,001

Funding Summary

Not Provided

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About Franklin Templeton

Franklin Resources, Inc. (www.franklinresources.com) is a global investment management organization operating as Franklin Templeton. The products, services, information and materials referenced in this site may not be available to residents in certain jurisdictions. Consult with an investment professional or contact your local Franklin Templeton office for more information. This site and the information contained herein is not intended to constitute an offer to sell or an invitation or solicitation of an offer to buy any product or service by Franklin Templeton. Nothing in this website should be construed as investment, tax, legal or other advice. All investments involve risks, including... Show More
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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TIAA

TIAA

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Founded

1918

Employees

0

Funding Summary

Not Provided

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About TIAA

TIAA is dedicated to helping those who teach, heal, and serve achieve financial well-being. We are the leading provider of financial services in the academic, research, medical and cultural fields, serving more than 5 million people. We support our customers every step of the way as they plan for and reach financial milestones, just as we have for 100 years.
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FuturePlan by Ascensus

FuturePlan by Ascensus

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Founded

Employees

0

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About FuturePlan by Ascensus

FuturePlan is the #1 TPA partner for America’s leading advisors and recordkeepers, empowering them to deliver better outcomes for savers across the nation. We make life easier for everyone we serve, simplifying the complex and relieving the burden of plan administration, consulting, and compliance.

We combine highly responsive personalized service with the unmatched strength and security of a national leader. Today, FuturePlan’s experienced team of experts supports more than 53,000 plan sponsors with 1.9M participants and $98B in assets under administration.

FuturePlan is proud to be independent and singularly focused on client needs. We... Show More
Relation Insurance

Relation Insurance

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Founded

2007

Employees

0

Funding Summary

Not Provided

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About Relation Insurance

In a world of increasing complexity, close client relationships and strategic carrier partnerships are only part of the insurance experience. Clients need brokers to stay ahead of the curve, provide intelligent, tailored solutions backed by deep experience, and apply technology and data to drive efficiency, innovation and a competitive edge. We are, and have always been, the ones our clients can count on to bring this all together for them through our relationships and connections. In the last several years we’ve invested a lot in people, processes and technology to help us even better connect the dots for them. 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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Feltz WealthPLAN

Feltz WealthPLAN

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Founded

1986

Employees

0

Funding Summary

Not Provided

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About Feltz WealthPLAN

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the... Show More
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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Lafayette Life Insurance Company

Lafayette Life Insurance Company

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Founded

2009

Employees

0

Funding Summary

Not Provided

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About Lafayette Life Insurance Company

Today, we provide life insurance and annuity products to individuals and small businesses through multiple distribution channels. Our individual product portfolio includes whole life, term life, and annuities. In addition, we serve small to medium-sized businesses by offering qualified plan products and administrative services.
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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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Pentegra

Pentegra

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Founded

1943

Employees

251

Funding Summary

Not Provided

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About Pentegra

Since its beginning more than 70 years ago, Pentegra has been a company that defines itself more by its values than a particular product or service. We’ve built our business by doing what we do the right way. By putting participants first. By accepting fiduciary responsibility and legal accountability for our work. By correctly representing what we do, what we don’t do, and how much we get paid. By following the rules, no matter how complex. These values serve as the foundation of Pentegra’s culture, character and brand. Responsibility for successful retirement plan outcomes—for our clients, their participants and our... Show More
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
TruStage

TruStage

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Founded

1935

Employees

0

Funding Summary

Not Provided

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About TruStage

TruStage™ is a financially strong insurance and financial services provider, built on the philosophy of people helping people, meeting the needs of middle-market consumers and the businesses that serve them. We believe a brighter financial future should be accessible to everyone, and our products and solutions help people confidently make financial decisions that work for them at every stage of life. With a culture rooted and focused on creating a more equitable financial system, we are deeply committed to giving back to our communities and improving the lives of those we serve today, and tomorrow. For more information, visit www.trustage.com. Show More

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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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