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<<...For whatever reason I forgot that under Section 402(g) of the Infernal (sic) Revenue Code an individual taxpayer participating in CODA plans of unrelated employers is limited to an aggregate contribution to both plans of no more than $10K in 1998....>

You may want to consider establishing a Money Purchase Pension Plan. Before I retired, the small corporation that I worked for established 2 linked plans: a 401(k) plan and a Money Purchase Plan. The Co. contributed a flat 10% of (tax-deferred) pay to each employee's account, and the employee and employer contributed jointly to the 401(k) plan, all tax deferred. This arrangement allowed us to defer up to 25% of pay. Additionally, we established separate brokerage accounts for each employee and let the employee make all of his investment decisions.

Let me qualify the above concept because the rules may have changed since the '80s. The Congress and IRS keep tinkering with the rules, and I haven't bothered to keep up with them.

Hope this helps,

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