Our Plan Types

At RBS, we offer customized retirement plans tailored to your business needs. Whether you're a small business or a growing firm, our solutions are designed to maximize contributions, reduce tax liability, and support long-term financial security for both employers and employees.

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    401(k) Plans

    401(k) plans are among the most popular and flexible retirement plan options available to employers. These plans allow employees to defer a portion of their salary—on either a pre-tax or Roth (after-tax) basis—into an employer-sponsored retirement account.

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    Profit Sharing Plans

    Profit Sharing Plans offer employers maximum flexibility in retirement plan contributions. These plans allow discretionary employer contributions based on company profitability or other factors—meaning there is no required annual contribution, giving plan sponsors the freedom to adjust contributions each year based on business performance.

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    Money Purchase Plans

    Money Purchase Pension Plans are a type of qualified defined contribution retirement plan that require a fixed annual employer contribution, typically expressed as a percentage of each eligible employee’s compensation.

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    403(b) Plans

    403(b) Plans are retirement savings plans designed specifically for employees of public schools, nonprofit organizations, and certain religious institutions. 403(b) Plans function similarly to 401(k) plan by allowing employees to defer a portion of their salary on a pre-tax or Roth (after-tax) basis into a retirement account.

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    Multiple Employer Plans

    Multiple Employer Plans (MEPs) allow two or more unrelated employers to participate in a single retirement plan, offering a streamlined approach to administration and compliance.

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    Prevaling Wage Plans

    Prevailing Wage Plans are specialized retirement plan solutions tailored for contractors working on government-funded projects. These plans support compliance with the Davis-Bacon Act and similar federal or state prevailing wage laws, which require employers to pay workers a combination of wages and fringe benefits when performing work on public works projects.

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    Cash Balance & Defined Benefit Plans

    Defined Benefit Plans, commonly referred to as traditional pension plans, promise a specified retirement benefit—usually based on a formula that includes salary history, years of service, and age. Unlike defined contribution plans, the employer is responsible for funding the plan and ensuring it is adequately funded to meet the promised retirement benefit.

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    Questions?

    Have questions about retirement plan solutions? Contact us today to speak with a trusted retirement plan consultant.

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