What is Prosperity Plus for Business Owners?
A structured, qualified retirement plan design that can be built for business owners who want higher contribution capacity, predictable structure, and a clear administrative framework.
The simple explanation
Think of Prosperity Plus like a big retirement container designed for profitable business owners — built with rules, structure, and professional administration.
1) Bigger “Capacity”
Traditional options can feel limited. This is designed for business owners seeking a more meaningful retirement contribution target (when eligible).
2) Structured & Designed
Not random. It’s planned. The design follows qualified plan rules and uses a professional process to build the right structure for the owners and team.
3) Professionally Administered
The plan is supported by a TPA (like RMC Group) to handle setup, documentation, compliance, and ongoing administration.
Who it’s for
- Profitable businesses with predictable cash flow
- Owners who want to save significantly more for retirement
- Companies that want to reward owners and/or key people
- Owners who prefer structure and a clear process
What you’ll do (simple)
- 1 Complete the short intake
- 2 We confirm fit + design direction
- 3 If appropriate, census + proposal
- 4 Admin team supports setup + ongoing
Why RMC Group is involved (and what they do)
In kid-simple terms: you don’t want to build a “big retirement machine” without an engineer. A TPA helps make sure the plan is set up correctly and stays compliant over time.
RMC Group (TPA) typically supports:
- Plan design coordination + setup process
- Plan documents + amendments
- Annual administration + required reporting
- Testing / compliance oversight (as applicable)
- Keeping the plan aligned with rules year after year
How it works (simple flow):
Vertex guides the strategy + client process. The TPA supports administration and compliance. Your CPA can review tax implications for your situation.
Common question: “What will this cost me?”
The easiest way to think about this is in two simple buckets. One covers professional setup and administration. The other is the amount you choose to fund based on your goals.
Every plan varies by business size, payroll, owner age, and design. The intake helps us estimate this quickly before any commitment.
Bucket #1 — Plan setup + ongoing administration (TPA)
This is the professional infrastructure that keeps the plan compliant and properly administered.
- Defined Contribution plan: ~$2,500
- Defined Benefit plan: ~$3,500
- Solo DC (owner/spouse only): ~$1,000
- Solo Combo DB/DC: ~$2,500
- Defined Benefit (owner/spouse only): ~$2,500 / year
- Defined Benefit with employees: ~$3,500 + ~$35 per participant / year
- Defined Contribution (owner/spouse only): ~$1,000 / year
- Defined Contribution with employees: ~$2,500 + ~$25 per participant / year
What could this save me?
As an example (illustration only):
Many profitable business owners explore plans like this because, when structured correctly, they can create a meaningful tax deduction.
- Setup and administration: often a few thousand dollars
- Funding amount: depends on plan design, goals, and eligibility
- If a business contributes $100,000 as a deductible contribution…
- At a 30% effective tax rate, that’s roughly $30,000 in potential tax savings*
- At a 40% effective tax rate, that’s roughly $40,000 in potential tax savings*
Yes. The intake is simply a fit-check. If it looks promising, the next step is a data-driven design direction where you’ll see estimated ranges and the administrative schedule before moving forward.
Quick video overview
Ready to see if this fits your business?
Start with the short intake. If it looks like a fit, we’ll guide the next steps.
Go to Prosperity Plus Intake →