Would you leave money on the table for the government to take instead? Would you not maximize your retirement savings because your accountant or third party administrator (TPA) told you that you had to give the same amounts to your other plan participants? Are your highly compensated employees restricted from maximizing their 401(k) salary deferrals and your TPA offered you no solutions? Well as a plan sponsor if you answered yes to any of these questions, you need to learn a valuable lesson regarding plan design. This article is about retirement plan design and why finding the right TPA who can offer plan design services can maximize the savings that all of your employees and saving on taxes.