I HAVE A 401K PROFIT SHARING PLAN THAT IS ALSO SAFE HARBOR 3% NON-ELECTIVE CONTRIBUTION FOR 2002 PY.

HOW IS THE SH 3% SET UP IN THE PLAN SPECS? DO YOU LOAD IT IN AS 3% MINIMUM DEFERRAL FOR EVERYONE?

ALSO, DOES THE SH 3% COUNT TOWARD THE MAX DEF IN 2002 OF 11k?

OF COURSE, THE DOCS ARE MAXING OUT, AND IT IS DIFFICULT TO FIGURE OUT ALL THE PARTS OF THEIR CONTRIBUTIONS.

THANKS FOR THE HELP

CARSON

The 3% safe harbor contribution will just be set up as a employer fully vested source. The 3% is a non-elective employer contribution and has nothing to do with the 401(k) contributions (if I am understanding your question right).

Does that help at all?

IT IS STARTING TO COME TOGETHER, THANKS FOR THE HELP