DB/DC Combo Plan Administration for High-Earning Employers

At Benefits² Administrators, we offer DB/DC Combo Plan solutions—combining the flexibility of a 401(k)/Profit Sharing plan with the powerful tax advantages of a Defined Benefit or Cash Balance plan.

We can work closely with any actuarial firm to ensure accurate, compliant administration of the Cash Balance component, while managing the day-to-day operations of the defined contribution portion.

This coordinated approach allows high-earning business owners and professionals to maximize contributions, minimize tax liability, and stay fully compliant with IRS and DOL regulations.

Learn More About DB/DC Combo Plans

Who Can Sponsor a DB/DC Combo Plan?

  • Small and mid-sized businesses

  • They work particularly well for professional practices (doctors, dentists, attorneys, CPAs)

  • Business owners looking to maximize tax-deferred savings

How a DB/DC Combo Plan Works

This combines a traditional Defined Benefit (DB) plan with a Defined Contribution (DC) plan—usually a 401(k)/Profit Sharing plan. It allows high-income earners to make significantly larger contributions than a standalone 401(k) would permit.

Types of Contributions

  • Defined benefit contributions (actuarially calculated)

  • Employee elective deferrals (pre-tax or Roth)

  • Employer profit-sharing contributions

  • Catch-up contributions for employees age 50+

Advantages

  • Dramatically higher contribution limits than 401(k) alone

  • Accelerated retirement savings

  • Substantial tax deductions for employers

  • Ideal for owner-only or controlled group businesses

  • Safe Harbor and integrated plan testing strategies

Ready to Learn More?

Contact Benefits² Administrators to explore a custom DB/DC Combo plan design that fits your organization’s needs and maximizes retirement savings.

Holiday
Hours

Our offices will be closed December 24-26 and January 1. 
We wish you and yours a warm and safe holiday season, Benefits² Administrators