Business Owner or Self Employed? Wish you could more $ away in your retirement accounts? Now You Can! A Cash Balance Plan is a type of pension plan that allows business owners to contribute 30% - 50% more to a retirement plan. The max in your current 401(k) is $66,000 and that's if you are matching and making additional contributions for all of your employees. We'll show you how to put $180,00 - $250,000 away (depending on your earnings) and you won't have to contribute as much to your employees.