Cash balance with profit sharing

[ombskid]

Can a straight % of pay contribution cash balance plan be cross tested on contributions alongside a regular old integrated profit sharing plan w/safe harbor 401k?

Youngish owner with oldish employees.

[AndyH]

Can? Sure if is meets the gateway requirements.

Should is another matter altogether. It is not at all clear what the issue is that would make you consider this.

[ombskid]

Owner is 45 and makes the max compensation.

Spouse of same age makes 20k

Employees age 50 and 55 make 30k amd 50k

After maxing the ps/401k, if owner wants bigger contribution, a db plan would cost alot more than a straight 20% of pay contribution cash balance plan which would pass on contributions. I think.

[AndyH]

I am far from fluent in it, but you might pass the safe harbor cash balance provisions of 1.401(a)(4)-8©(3) and avoid testing.

[abanky]

I agree with Andy.