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AndyH
Who is included in a 414(s) test for a participant in a safe harbor plan? The non-excludables for 401(a)(4) and/or 410(b)?
Blinky the 3-eyed Fish
Not quite. Only the nonexcludables who benefit under the plan being tested are in the compensation ratio test. 1.414(s)-1(d)(3)(iii)(A)
AndyH
Thanks for the feedback, Blinky. Re-reading that section, I still don't understand what it says, but I appreciate and can understand that interpretation.

It says to me that you include in the test those that you must include in the test. Beautiful.
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