Engineering Firm — Sample Cash Balance Proposal (Educational) | PSI

Precision Engineering Consultants, Inc. (Educational Sample)

Fictional data for a professional firm with two owners. Illustrative only; not tax or legal advice.

Summary

  • Total CB + 401(k): $504,757
  • Owners: $430,469 (85.3%)
  • Staff: $74,288 (14.7%)
  • Headcount: 2 owners · 10 staff

Illustrative Tax Savings

Bracket Savings Net After Staff
24% $121,142 $46,854
32% $161,522 $87,234
35% $176,665 $102,377
37% $186,760 $112,472

Educational only; consult your tax advisor for scenario-specific analysis.

Download Engineering Proposal (PDF)

What’s behind the numbers

  • One compensation definition across plans where possible
  • Safe harbor + gateway alignment for cross-testing
  • Fixed vs. Treasury-linked crediting per risk preference

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