--- title: Retirement Plan Design description: Whether you are starting a new plan or reviewing your current plan design, the key to success is access to knowledge for selecting the best plan. On this page we highlight some of the features and decision points that can make or break a plan. image: https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_pp_png_category.png --- [![logo](https://www.dwc401k.com/hubfs/_global/logo.svg "logo")](https://www.dwc401k.com/) [![logo](https://www.dwc401k.com/hubfs/Dwc-2019/SVG/logo.svg "logo")](https://www.dwc401k.com/) [![Contribution Limits](https://no-cache.hubspot.com/cta/default/3113501/af3ae025-72b1-41fa-8855-5e196d6c26e4.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/af3ae025-72b1-41fa-8855-5e196d6c26e4) [![Log in](https://no-cache.hubspot.com/cta/default/3113501/3466ce37-58ba-4a93-bddb-0d4c8bb8ccbc.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/3466ce37-58ba-4a93-bddb-0d4c8bb8ccbc) [![services-icon1](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon1.png) ## Plan Document A properly drafted document is the foundation of achieving the company's objectives and keeping the plan in operational compliance. ](https://www.dwc401k.com/services/plan-document) [![services-icon2](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon2.png) ## Plan Compliance We have a fundamental understanding of how critical plan compliance is to both the IRS and Department of Labor. ](https://www.dwc401k.com/services/plan-compliance) [![services-icon3](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon3.svg) ## Defined Benefits Services We work with business owners and investment advisors to determine what makes the most sense by providing a detailed cost benefit analysis. ](https://www.dwc401k.com/services/defined-benefits-services) [![services-icon4](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon4.svg) ## Mergers, Aquisitions & Related Company Analysis The DWC team is well-versed enough in the nuances and is ready to help you navigate the situation. ](https://www.dwc401k.com/services/mergers-acquisitions-analysis) [![services-icon5](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon5.png) ## Plan Corrections DWC's extensive experience with both the IRS and Department of Labor voluntary correction programs allows us to help you address just about any accident that might happen. ](https://www.dwc401k.com/plan-corrections) [![services-icon6](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon6.png) ## Government Audits Being selected for an audit can feel overwhelming, but the process doesn't have to be. ](https://www.dwc401k.com/services/government-audits) ![service-right-icon](https://www.dwc401k.com/hubfs/QOTW/March%202020/service-right-icon.svg) ## Investment Advisor Support DWC has a long history of successfully partnering with investment advisors. We bring decades of experience, supported by the resources to deliver comprehensive solutions for your clients. Our consultants understand the importance of your relationships and will work seamlessly alongside your team. [![Learn More](https://no-cache.hubspot.com/cta/default/3113501/e8259ee4-7af4-4a93-8f14-6176b30c4ada.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/e8259ee4-7af4-4a93-8f14-6176b30c4ada) ## [ Categories ](https://www.dwc401k.com/blog) [### DWC Developments ](https://www.dwc401k.com/blog/topic/dwc-developments) [### Industry Insights ](https://www.dwc401k.com/blog/topic/industry-insights) [### Regulatory Round-Up ](https://www.dwc401k.com/blog/topic/regulatory-round-up) [### Cash Balance Corner ](https://www.dwc401k.com/blog/topic/cash-balance-corner) [### 401(k) Q&A ](https://www.dwc401k.com/blog/topic/401k-qa) [### Operational Overview ](https://www.dwc401k.com/blog/topic/operational-overview) [### Lessons from Litigation ](https://www.dwc401k.com/blog/topic/lessons-from-litigation) [### Pension Primer ](https://www.dwc401k.com/blog/topic/pension-primer) ## [ Articles ](https://www.dwc401k.com/blog) [![https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) ](https://www.dwc401k.com/blog/the-new-era-of-401ks-evaluating-private-equity-for-retirement-portfolios) ### [The New Era of 401(k)s: Evaluating Private Equity for Retirement Portfolios](https://www.dwc401k.com/blog/the-new-era-of-401ks-evaluating-private-equity-for-retirement-portfolios) [![https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) ](https://www.dwc401k.com/blog/why-the-simple-to-401k-transition-is-finally-simple) ### [Why the SIMPLE-to-401(k) Transition Is Finally… Simple](https://www.dwc401k.com/blog/why-the-simple-to-401k-transition-is-finally-simple) [![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-6) ### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 6](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-6) [![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-5) ### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 5](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-5) [![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-4) ### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 4](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-4) [![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_rr_png_category.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_rr_png_category.png) ](https://www.dwc401k.com/blog/in-case-of-emergency-dont-break-plan) ### [In Case of Emergency, (Don't) Break Plan!](https://www.dwc401k.com/blog/in-case-of-emergency-dont-break-plan) [![See all](https://no-cache.hubspot.com/cta/default/3113501/da389b32-e8ba-4681-ac07-738df4376a5b.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/da389b32-e8ba-4681-ac07-738df4376a5b) [!["Complete Control" with Recommended Contributions](https://www.dwc401k.com/hs-fs/hubfs/Blog/Cash%20Balance%20Corner/September%202020/CBC%20-%209.3.2020%20-%20Complete%20Control%20with%20Recommended%20Contributions_Retirement%20Plan%20Design.png?width=800&height=350&name=CBC%20-%209.3.2020%20-%20Complete%20Control%20with%20Recommended%20Contributions_Retirement%20Plan%20Design.png) ](https://www.dwc401k.com/blog/calculating-recommended-contributions-cash-balance-corner) ### ["Complete Control" with Recommended Contributions](https://www.dwc401k.com/blog/calculating-recommended-contributions-cash-balance-corner) [![“Cover Me” with the Pension Benefit Guaranty Corporation](https://www.dwc401k.com/hs-fs/hubfs/CBC-8.19-PBGC.png?width=800&height=350&name=CBC-8.19-PBGC.png) ](https://www.dwc401k.com/blog/cover-me-with-pbgc) ### [“Cover Me” with the Pension Benefit Guaranty Corporation](https://www.dwc401k.com/blog/cover-me-with-pbgc) [![10-Retirement-Compliance-Failures](https://www.dwc401k.com/hs-fs/hubfs/Blog/Blog%20Collateral%20-%20Old%20Designs/Blog%20Header%20Images_Old%20Watermarked%20Design/10-Retirement-Compliance-Failures.png?width=800&height=350&name=10-Retirement-Compliance-Failures.png) ](https://www.dwc401k.com/blog/10-common-retirement-plan-compliance-failures-found-by-the-irs) ### [10 Common Retirement Plan Compliance Failures Found by the IRS](https://www.dwc401k.com/blog/10-common-retirement-plan-compliance-failures-found-by-the-irs) [![2020 DOL Enforcement Stats: Is the Glass Half Full or Half Empty?](https://www.dwc401k.com/hs-fs/hubfs/Blog/Question%20of%20the%20Week/3.4.2021%20DOL%20Enforcement%20Blog.png?width=800&height=350&name=3.4.2021%20DOL%20Enforcement%20Blog.png) ](https://www.dwc401k.com/blog/2020-dol-enforcement-statistics) ### [2020 DOL Enforcement Stats: Is the Glass Half Full or Half Empty?](https://www.dwc401k.com/blog/2020-dol-enforcement-statistics) [![2020 Retirement Plan Tax Deductions - It's Not Too Late](https://www.dwc401k.com/hs-fs/hubfs/Blog%20-%204.15.2021%20-%202020%20Retirement%20Plan%20Deductions.png?width=800&height=350&name=Blog%20-%204.15.2021%20-%202020%20Retirement%20Plan%20Deductions.png) ](https://www.dwc401k.com/blog/2020-retirement-plan-deductions-not-too-late) ### [2020 Retirement Plan Tax Deductions - It's Not Too Late](https://www.dwc401k.com/blog/2020-retirement-plan-deductions-not-too-late) [![QOTW - 5.8.2018 - 401k Distribution Rules - After Taking a Hardship Distribution How Quickly Must a Participant Stop 401k Contributions - Plan Distributions](https://www.dwc401k.com/hs-fs/hubfs/Blog/Question%20of%20the%20Week/QOTW%202018/May%202018/QOTW%20-%205.8.2018%20-%20401k%20Distribution%20Rules%20-%20After%20Taking%20a%20Hardship%20Distribution%20How%20Quickly%20Must%20a%20Participant%20Stop%20401k%20Contributions%20-%20Plan%20Distributions.png?width=800&height=350&name=QOTW%20-%205.8.2018%20-%20401k%20Distribution%20Rules%20-%20After%20Taking%20a%20Hardship%20Distribution%20How%20Quickly%20Must%20a%20Participant%20Stop%20401k%20Contributions%20-%20Plan%20Distributions.png) ](https://www.dwc401k.com/blog/whats-happens-when-you-take-a-hardship-distribution) ### [401(k) Distribution Rules: After Taking a Hardship Distribution, How Quickly Must a Participant Stop 401(k) Contributions?](https://www.dwc401k.com/blog/whats-happens-when-you-take-a-hardship-distribution) [![See all](https://no-cache.hubspot.com/cta/default/3113501/270feba7-1532-4fb2-aaad-f6fc30d696e6.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/270feba7-1532-4fb2-aaad-f6fc30d696e6) - [DWC](https://www.dwc401k.com/blog/topic/dwc) - [Question of the Week (QOTW)](https://www.dwc401k.com/blog/topic/question-of-the-week-qotw) - [Retirement Plan Design](https://www.dwc401k.com/blog/topic/retirement-plan-design) - [401(k) Plan](https://www.dwc401k.com/blog/topic/401k-plan) - [News](https://www.dwc401k.com/blog/topic/news) - [Plan Compliance](https://www.dwc401k.com/blog/topic/plan-compliance) - [Plan Distributions](https://www.dwc401k.com/blog/topic/plan-distributions) - [Highly Compensated Employees](https://www.dwc401k.com/blog/topic/highly-compensated-employees) - [Nondiscrimination Testing](https://www.dwc401k.com/blog/topic/nondiscrimination-testing) - [Plan Correction](https://www.dwc401k.com/blog/topic/plan-correction) - [Legislation](https://www.dwc401k.com/blog/topic/legislation) - [Cash Balance](https://www.dwc401k.com/blog/topic/cash-balance) - [Fiduciary Responsibility](https://www.dwc401k.com/blog/topic/fiduciary-responsibility) [![See all](https://no-cache.hubspot.com/cta/default/3113501/6e4f2713-d231-4e2f-9509-351824dea8bd.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/6e4f2713-d231-4e2f-9509-351824dea8bd) Company ### The DWC Difference Meet our team, explore career opportunities, and learn how DWC partners with TPAs to grow. - [About Us Who we are and our story ](https://www.dwc401k.com/about) - [Join the 401k Experts Open roles and life at DWC ](https://www.dwc401k.com/about/careers) - [Mergers and Acquisitions Grow faster with DWC ](https://www.dwc401k.com/mergers-and-acquisitions) [![feature image](https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) 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Relief](https://www.dwc401k.com/hubfs/Blog/Mega%20Nav%20Featured%20Blog%20Image.png) ](https://www.dwc401k.com/blog/cares-act-federal-coronavirus-relief-dwc-news-update) ## [ The CARES Act: Federal Coronavirus Relief ](https://www.dwc401k.com/blog/cares-act-federal-coronavirus-relief-dwc-news-update) [ Back to Knowledge Center ](https://www.dwc401k.com/blog) ![Retirement Plan Design](https://www.dwc401k.com/hs-fs/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_pp_png_category.png?width=800&name=hero_pp_png_category.png) # Retirement Plan Design [ DWC ](https://www.dwc401k.com/blog/author/dwc) | Published: 10/26/2018 | [Automatic Enrollment](https://www.dwc401k.com/blog/topic/automatic-enrollment), [Plan Eligibility](https://www.dwc401k.com/blog/topic/plan-eligibility), [Plan Distributions](https://www.dwc401k.com/blog/topic/plan-distributions), [Retirement Plan Design](https://www.dwc401k.com/blog/topic/retirement-plan-design), [Pension Primer](https://www.dwc401k.com/blog/topic/pension-primer) Designing a retirement plan can be a little bit like a home improvement project. If you have a good bit of experience, know where the hidden traps are, and have access to the right tools you can save a decent amount of money (though not usually time) by doing some or all of the job yourself.  However, if you are missing any of those components, any short-term cost-savings can quickly evaporate through the trial and error process, and the finished product often does not live up to expectations. And “experience” does not mean living close to one of those big-box home improvement stores.  Sure they are one-stop shops, but if you are walking down the plumbing aisle and ask the first apron-wearing passerby that you see, he or she will try to help, but you may end up getting plumbing advice from someone who works in the paint department and was just on their way to clock out for lunch. There are also one-stop-shop financial service firms that are jacks of all trades but masters of none.  You might call an 800 number to ask a plan design question but end up with a well-intentioned person from the transaction processing team.  They understand the importance of good customer service, so they will try to help, but you are still getting advice from someone who is not as knowledgeable. When it comes to retirement plan design, there is no substitute to working with someone who really knows the ins and outs.  By doing so, you can end up with exactly the plan you want, usually without spending much, if any, extra money. > Designing a retirement plan can be a little bit like a home improvement project. If you have a good bit of experience, know where the hidden traps are, and have access to the right tools you can save a decent amount of money (though not usually time) by doing some or all of the job yourself. However, if you are missing any of those components, any short-term cost-savings can quickly evaporate through the trial and error process, and the finished product often does not live up to expectations. > > First, you must consider the overall plan objective. Is the goal of the plan to attract and retain employees or to maximize benefits for the business owner(s) or some of both? Here are just a few examples of other features and decision points that can make or break a plan: ## Plan Eligibility and Entry Which employees are included and which are excluded?  For example, do you want to cover [part-time employees](https://www.dwc401k.com/knowledge-center/employee-vs-independent-contractor-benefit-plans-dwc) and [seasonal employees](https://www.dwc401k.com/blog/can-we-exclude-seasonal-employees-from-our-401k-plan)? When are covered employees eligible to join the plan?  Do you want to allow them to join right away or make them wait up to a year with semi-annual entry days?  Do you want the [plan eligibility](https://www.dwc401k.com/knowledge-center/retirement-plan-eligibility) and entry provisions to be the same across the board or should employees come in right away to contribute their own money but wait for a year to receive a company contribution? **Related Resources**   ## Company Contributions Speaking of company [plan contributions](https://www.dwc401k.com/comparison-of-contributions-by-plan-type), should they be in the form of a match or a [profit sharing contribution](https://www.dwc401k.com/knowledge-center/profit-sharing-allocation-methods) or both?  For profit sharing, should all employees receive the same percentage of pay or does it make more sense for your business to be able to provide different amounts for different employees or groups of employees? Are there certain forms of [compensation](https://www.dwc401k.com/knowledge-center/things-you-might-not-know-about-your-retirement-plan) you wish to disregard  when calculating company contributions?  If an employee first becomes eligible for the plan later in the year after a sufficient [length of service](https://www.dwc401k.com/knowledge-center/how-to-count-employee-length-of-service-for-retirement-plans), should contributions be based on his or her pay for the entire year or just from the date of eligibility?  Do you want to count those bonuses you hand out at the company holiday party or disregard them? Are there other types of [401(k) contributions](https://www.dwc401k.com/blog/what-are-the-different-types-of-contributions-and-how-do-they-work) you should be considering? ![Contributions by Plan Type_Plan Design](https://www.dwc401k.com/hs-fs/hubfs/Pillar%20Pages/Contributions%20by%20Plan%20Type_Plan%20Design.png?width=1200&height=683&name=Contributions%20by%20Plan%20Type_Plan%20Design.png) **Related Resources**   ## Automatic Enrollment Should newly eligible employees be automatically enrolled in the 401(k) plan or do you prefer that they affirmatively sign up at whatever level they prefer? ## Plan Distributions When should employees have access to their plan accounts?  They can generally withdraw their money when they retire or terminate employment, but what about if the encounter a financial hardship while still employed?  Do you want to allow employees to take loans from their accounts? In order for your plan to accomplish your objectives, it is critical to not only work through questions like these but also to determine how the preferred answers impact the plan’s ongoing operations and overall compliance.  For example, automatic enrollment in a 401(k) plan can be a very successful feature; however, if your industry typically has high turnover and your plans has a really short eligibility period, automatically enrolling all those new employees could be more trouble than it is worth. We know it sounds like a lot to process, but that is where we come in.  Working with our clients to design and maintain their retirement plans is what we do; it’s not just a stop we make as we pass through the plumbing aisle on our way to the break room. We start by finding out what your goals are for the business and the plan. After listening and learning, DWC proactively offers recommendations. We'll identify the pros and cons and quantify the relative costs to help you understand your options.  We are also all about building in as much flexibility as possible so that your plan can easily adapt as your business grows. Our process goes above and beyond industry standards to make things easier on you. Even when it comes to the more mundane aspects like signing your documents, we break out the signature pages so you don't have to hunt for them and we follow up with you to ensure everything is signed timely.  Still think plan design in not that big of a deal?  Here are a few interesting situations we’ve seen over years in which plan design does not seem to have been a part of the process: In each of these situations, the plans were designed by someone at a DIY-type financial services provider.  In each of these cases, the features built in to each plan were completely allowable, they just didn’t achieve the desired result.  Although the people doing the designing were aware of the general concepts involved, they were not experienced enough to ask the right questions to avoid the easily foreseeable but unintended consequences.  The costs incurred to get these plans back on track far exceeded the marginal additional cost of working with someone experienced from the outset. **Related Resources** - Share - [**](https://www.facebook.com/sharer/sharer.php?u=https://www.dwc401k.com/blog/retirement-plan-design&title=Retirement%20Plan%20Design&picture=https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_pp_png_category.png&description=Whether%20you%20are%20starting%20a%20new%20plan%20or%20reviewing%20your%20current%20plan%20design,%20the%20key%20to%20success%20is%20access%20to%20knowledge%20for%20selecting%20the%20best%20plan.%20On%20this%20page%20we%20highlight%20some%20of%20the%20features%20and%20decision%20points%20that%20can%20make%20or%20break%20a%20plan.) - [**](https://twitter.com/share?url=https://www.dwc401k.com/blog/retirement-plan-design&hashtags=) ## Browse categories [ DWC Developments ](https://www.dwc401k.com/blog/topic/dwc-developments) [ Industry Insights ](https://www.dwc401k.com/blog/topic/industry-insights) [ Regulatory Round-Up ](https://www.dwc401k.com/blog/topic/regulatory-round-up) [ Cash Balance Corner ](https://www.dwc401k.com/blog/topic/cash-balance-corner) [ 401(k) Q&A ](https://www.dwc401k.com/blog/topic/401k-qa) [ Operational Overview ](https://www.dwc401k.com/blog/topic/operational-overview) [ Lessons from Litigation ](https://www.dwc401k.com/blog/topic/lessons-from-litigation) [ Pension Primer ](https://www.dwc401k.com/blog/topic/pension-primer) [ Browse by Topic ](https://www.dwc401k.com/knowledge-center-topics) ## Subscribe to our newsletter ### Only the Best Retirement Industry Content Get our 401(k) and defined benefits content delivered directly to your inbox. 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