A Cross Tested Plan provides flexibility in the contribution amounts.  The contribution for each participant is converted to an equivalent annuity benefit which is more valuable for an older participant than it is for a younger one.  Larger contributions are needed for older participants in order to provide the same equivalent benefit provided to younger participants. 

If owners of your company are significantly older than the employees, cross tested plans may be your best option.  Call us today to set up a meeting with our consultants to see if this is your best option!