A cross tested plan is an allocation & testing method used for profit sharing allocations. It allows for more efficient allocation of the employer contribution towards owner/employees. It is not uncommon for the owner/employee to receive an allocation of up to four (4) times the amount allocated to the rest of the employees. This allocation method can be incorporated with a 401(k) plan to maximize the allocations each year.

We will work with you to determine the best allocation method for your company and will assist you each year to allocate the contribution to best meet your needs.