I'll be the first to say that I'm no expert on retirement plans for small businesses, however, I can certainly see how you would have the problem that you describe.I understand that the more common plans for a small business would be a SEP or SIMPLE plan. I'm not sure about the restrictions on the SEP or SIMPLE if a 401(k) is already available. These plans are more in line with the requirements of smaller companies. In addition, they often will have higher contribution limits than 401(k) plans (limits are tied to salary amounts without the disrimination testing I believe).Sorry I don't know specifics. Roy Lewis' "2001 Investment Tax Guide" provides a pretty good overview of these plans (no, I don't get any money from Roy).Good luck,LooseChange
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