employer-sponsored retirement programs in addition to pension plans, employers of all sizes offer supplemental plans. these plans are often voluntary and help employees to not only increase the amount of funds being held for retirement but also enjoy attractive tax benefits. A profit-sharing plan allows employees to participate in the earnings of their employer. This type of plan may be IRS qualified, making it eligible for the same tax treatment as other types of pension plans. One feature of this type of plan is the following: Some companies may offer a____ profit-sharing program that invests heavily in____