Sunrise Smart Orthopedic Spine Orthopedic Group (Educational Sample)
Fictional data to illustrate how a Cash Balance + 401(k) design may look in practice. Not tax or legal advice.
Summary
- Total CB + 401(k): $672,656
- Owners: $598,880 (89.0%)
- Staff: $73,776 (11.0%)
- Headcount: 2 owners · 13 staff
Illustrative Tax Savings
| Bracket | Savings | Net After Staff |
|---|---|---|
| 24% | $161,437 | $87,661 |
| 32% | $215,250 | $141,474 |
| 35% | $235,430 | $161,654 |
| 37% | $248,883 | $175,107 |
Figures are hypothetical and for education only. Consult your tax advisor for your facts.
Download Orthopedic Proposal (PDF)
What’s behind the numbers
- Class-based pay credits; interest crediting aligned to risk
- CB + 401(k) testing (safe harbor, gateway, cross-testing)
- Funding ranges (min/target/max) designed for predictable cash flow
Next step: Book a 15-minute Fit Check ·
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