For-Profit Companies

Mersberger Advisory Group

As a trusted partner we are focused on retirement plans across all plan types and sizes. From companies small and large, our team works with our clients to build a retirement program that helps employees reach their retirement goals. 

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Reaching Milestones

Help your employees reach their retirement milestone. Mersberger Advisory Group is here to find the best plan for both your company and your employees. 

For-Profit Companies

Retirement Plans
Profit Sharing and 401(k)

A profit-sharing plan allocates a percentage of company profits to eligible employees. It requires a “plan document” establishing its term, a trust for plan assets to fund it, a record-keeping system for contributions and profit distributions, and a process for offering the plan to eligible employees. A profit-sharing plan can help business owners maximize tax benefits and reward their employees. A 401(k) is a defined contribution plan in which participants establish a contribution up to IRS limits. Employers may match a percentage of employee contributions; 401(k) plans are valuable recruiting tools, but also impose added fiduciary obligations upon employers who must maintain them.

Employee Stock Ownership Plan (ESOP)

An ESOP is a qualified retirement plan often used to help business owners transition their business to their employees. This allows the employees an ownership stake and the ability to benefit from the company's success.

Defined Benefit

A defined benefit retirement plan, often known as a pension plan, promises a specific monthly benefit upon retirement. These permit an employer to annually contribute (and therefore deduct) more than a defined contribution plan. Defined benefit plans can be complex to administer and the employer is responsible for all of the planning and investment risk.

Non-qualified Deferred Compensation (NQDC)

For highly compensated employees who often struggle to save enough for retirement through traditional retirement plans, an NQDC plan can help. NQDC plans allow a select group of employees the ability to defer a larger portion of their compensation and defer the taxes on that money until a future date.

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For-Profit Company Retirement Plans

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