Annuity options

As a nonprofit corporation, the RGRPC could elect to establish a tax sheltered annuity (TSA) for various classes of employees. The TSA can be structured either as a completely employee-contributed fund or as an employer-contributed annuity. In the case of the former, it allows the employee the ability to make pre-tax contributions (i.e. off his/her gross pay rather than net)- a great advantage over an IRA. Any number of investment companies can set one up and administer it.
It's even possible for a nonprofit corp to use a TSA to establish a profit-sharing plan for its employees. The corporation can then tie contributions to future profitability in the same way that progressive for-profit companies are doing. Wisconsin Central LTD's employees have certainly benefited from its profit-sharing plan just as the company itself has benefited from engaging its employees to make the success happen.
The nonprofit corp can determine when/how much it contributes. It's a way of conveying (in a very real sense) that we're all in this together. If you help make us profitable so we can advance the mission, we commit to you that you will benefit from it. A compact for the future.
B Shoup