Orthopedics — Fit & Design Patterns

High procedure income with partner age dispersion makes CB + 401(k) compelling.

Design: CB age tiers for partners; 401(k) safe harbor + cross‑tested profit sharing; set contribution ranges for strong vs. lean years.

FAQ: Can we fund more in peak years? Yes—within permitted ranges and testing windows.

Anesthesia — Variability without Chaos

Income can be strong but schedules vary; keep funding flexible.

Design: fixed or Treasury‑based interest credit; CB ranges; 401(k) safe harbor nonelective for CRNAs/staff to keep testing clean.

FAQ: What if volumes dip? Use ranges/timing within allowed windows.

Dentistry — Owner‑Centric, Small Teams

Revenue is often owner‑centric with compact teams—great for steady CB funding.

Design: stable CB + 401(k) safe harbor; profit sharing tailored to tenure.

FAQ: Can associates be excluded? Only if coverage/testing still pass—design first.

Dermatology — Growth & Pre‑Sale

Strong margins and frequent pre‑sale interest.

Design: CB + 401(k) with a pre‑sale optimization playbook (12–24 months).

FAQ: Selling next year? Consider a freeze or negotiated keep/convert terms.

Cardiology — Subspecialties & Ages

Comp varies by subspecialty with diverse ages.

Design: CB classes by age; 401(k) safe harbor + cross‑tested PS.

FAQ: Is a market‑return credit better? It can be—if designed and invested appropriately.

Plan Sponsor Action Checklist