If you had suggested a Traditional 401(k) plan design, this plan could be so fragile that it could potentially fall apart if one of the Non-Highly Compensated Employees left the law firm because it would become top heavy if only the Key Employees had account balances in this plan. The smaller the case, the more potential for problems with nondiscrimination testing.

One important role that your Ohio National Retirement Plan Wholesaler plays is assisting you and your client with what you could possibly foresee to be plan design issues when setting up a retirement plan.