Rollovers as Business Startups (ROBS)

The role of Pacific Coast Payroll in partnership with ROBS providers.

ROBS Providers partnership with payroll company in California

Rollover participants are recommended to work at least 1,000 hours per year (about 20 hours per week) and become active, paid employees for their company.

That’s where we come into play.  We handle your client’s payroll tax filing to the state, the IRS and take care of any local tax filing requirements. All payroll deposits made are backed by our tax filing guarantee.

Become A Partner

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  • Free co-branded marketing material.
  • Up to 40% revenue share or discounts for your clients.
  • Access to employee census information.
Why Partner With Us?

Easy, read-only access to your client’s payroll data and hours worked, helping to complete year-end compliance testing and 5500 reporting.

Single sign-on access to manage all clients using our platform.

Receive U.S-based best-in-class service with a dedicated sales and enrollment specialist

Partner with ROBS-experienced sales professionals

Maintain clients’ compliance with state, federal, and local payroll tax laws

Why Partner With Us?

Easy, read-only access to your client’s payroll data and hours worked, helping to complete year-end compliance testing and 5500 reporting.

Single sign-on access to manage all clients using our platform.

Receive U.S-based best-in-class service with a dedicated sales and enrollment specialist

Partner with ROBS-experienced sales professionals

Compliance testing and year-end 5500 reporting can be daunting for your client.  That’s why we focus our partnership goals on minimizing the administrative burden on your clients by providing better transparency and access to data for the ROBS provider.

Your clients

Reasons your clients will enjoy our service.

  • Simple, intuitive, easy to use payroll platform.
  • Dependable US-based customer support.
  • Simplified pricing schedule, monthly subscription invoicing for service.
  • Customizable HR back-office infrastructure.
  • Hand in hand communication between payroll company and ROBS provider.
Become A Partner
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Here is a better look at how the ROBS structure works.

How does the ROBS structure work?

  • Establish a new C corporation.

    You either buy or start a C corporation. Because only C corps allow the sale of Qualified Employer Securities, this is the only business entity eligible for ROBS.

  • C corp sets up a 401(k) retirement plan.

    You either buy or start a C corporation. Because only C corps allow the sale of Qualified Employer Securities, this is the only business entity eligible for ROBS.

  • Rollover existing retirement funds into the new 401(k).

    After your C corp plan is set up, you’ll roll over your retirement funds from your original account. Hence, the “rollover” in ROBS.

  • Your new 401(k) purchase stock in the C corp.

    This is why your new business has to be a C corp. Without the ability to engage in QES transactions, this wouldn’t be possible.

  • Your new C corp now has startup funds.

    With the QES transaction complete, your retirement funds are now available to the C corp to operate and grow.

Rollovers as business startups

More about the history of ROBS.

ROBS, a method of 401(k) business financing, began in 1974 when Congress enacted the Employee Retirement Income Security Act. The result provided workers with another method to grow their retirement assets – through business creation.

And that’s the power of ROBS. While it’s a complicated process, it allows you to access your retirement funds without being penalized.

Basically, your plan purchases a business. Then, you work for that business and earn a salary. You put a percentage of that salary back into your retirement plan. When you’re done and sell your business, the proceeds go to the shareholder: you and your 401(k).

Our revenue share options are flexible.  Build another revenue stream for your company or pass this along to your clients in the form of a discount.

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Revenue share options

Unlock additional revenue for your business.

  • Tiered – based on the volume of active payroll clients you have with us.
  • Co-branded or white-labeled payroll service available for premier partners (must have a minimum number of mutual active clients).
  • Use your company logo on our payroll platform.
  • All sales and servicing remain our responsibility.
  • Revenue share is in perpetuity as long as the client remains active with us.
Become A Partner