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  <lastmod>2003-10-01T14:11:56+00:00</lastmod>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21480-remedial-amendment-period-for-403b-plans/</loc>
  <lastmod>2003-09-30T21:49:27+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21479-gust-extension-still-available-if-plan-already-amended-for-gust-with-a-determination-letter-need-to-change-adpacp-testing-for-2002/</loc>
  <lastmod>2003-10-01T20:25:04+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21478-ok-for-same-employer-to-have-2-different-401k-plans-one-will-be-safe-harbor-other-will-be-subject-to-adp-testing/</loc>
  <lastmod>2003-09-30T18:58:32+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21476-frog-humor-especially-for-yukon-unless-the-last-bad-joke-killed-him/</loc>
  <lastmod>2003-10-03T19:58:27+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21475-what-are-the-penalties-if-an-extension-for-filing-a-form-5500-was-not-obtained/</loc>
  <lastmod>2004-01-13T18:09:45+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21474-is-100-match-on-first-4-fully-vested-an-enhanced-matching-formula-for-safe-harbor-purposes/</loc>
  <lastmod>2003-09-30T20:10:53+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21473-substitution-of-collateral-is-it-a-renegotiation-extension-renewal-or-revision-of-a-pre-tefra-participant-loan/</loc>
  <lastmod>2003-09-30T17:21:50+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21472-are-the-proposed-regs-on-deemed-iras-issued-5202003-the-latest-guidance-we-have/</loc>
  <lastmod>2003-09-30T18:59:36+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21471-forfeitures-account-in-trust-fund-too-low-to-allocate-properly/</loc>
  <lastmod>2003-09-30T16:34:05+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21470-loan-taxed-twice/</loc>
  <lastmod>2003-09-30T17:22:36+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21469-self-employed-compensation-and-employer-deduction/</loc>
  <lastmod>2003-09-30T18:10:13+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21468-is-an-esop-loan-with-a-term-of-30-60-or-even-90-years-reasonable/</loc>
  <lastmod>2003-09-30T17:37:47+00:00</lastmod>
  <priority>1</priority>
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  <loc>https://benefitslink.com/boards/topic/21467-discrimination-testing-under-self-insured-medical-plan-ok-to-count-both-w-2-and-1099-pay-in-determining-the-highest-paid-25-percent-of-all-employees/</loc>
  <lastmod>2003-09-30T21:45:21+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21466-coverage-testing-how-to-handle-acquiring-employers-promise-to-make-contributions-4-or-5-years-from-now/</loc>
  <lastmod>2003-09-30T19:04:32+00:00</lastmod>
  <priority>1</priority>
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  <loc>https://benefitslink.com/boards/topic/21465-if-a-terminated-planss-funding-deficiency-is-never-corrected-are-there-potential-additional-penalties-even-though-there-is-no-longer-a-funding-standard-account/</loc>
  <lastmod>2003-09-30T19:07:00+00:00</lastmod>
  <priority>1</priority>
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  <loc>https://benefitslink.com/boards/topic/21464-ok-to-shift-a-percent-or-two-from-the-acp-test-to-help-pass-the-adp-test/</loc>
  <lastmod>2009-02-09T16:57:58+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21463-how-to-handle-funds-of-missing-beneficiary-participant-died-15-years-ago/</loc>
  <lastmod>2003-10-01T13:52:09+00:00</lastmod>
  <priority>1</priority>
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  <loc>https://benefitslink.com/boards/topic/21462-schedule-h-line-4i-assets-held-attachment-how-to-determine-the-cost-of-assets-if-the-assets-are-with-a-mutual-fund-company-such-as-mfs/</loc>
  <lastmod>2003-09-30T14:43:31+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21460-is-it-legal-in-calif-for-employees-to-enroll-in-a-group-health-plan-completely-through-a-companys-intranet-system/</loc>
  <lastmod>2003-09-30T20:19:24+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21459-bond-question-non-qualifying-assets-are-more-than-50-of-total-trust/</loc>
  <lastmod>2003-09-30T23:02:23+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21458-how-do-you-fix-a-411b-violation/</loc>
  <lastmod>2003-10-02T20:13:30+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21457-who-pays-for-esop-termination-process/</loc>
  <lastmod>2003-10-02T15:15:33+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21456-correction-of-asg-problem-failed-to-include-eligible-employees-probably-fails-discrimination-testing/</loc>
  <lastmod>2003-09-30T00:04:12+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21455-could-a-banks-collective-trust-fund-hold-individual-group-annuity-contracts-for-multiple-employers/</loc>
  <lastmod>2003-09-29T17:10:29+00:00</lastmod>
  <priority>1</priority>
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 <url>
  <loc>https://benefitslink.com/boards/topic/21454-5500-due-on-101503-any-more-extensions-available/</loc>
  <lastmod>2003-09-30T15:18:53+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21453-whats-difference-between-multiemployer-and-multiple-employer-plans/</loc>
  <lastmod>2003-10-09T13:34:06+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21452-reimbursement-of-health-insurance-premiums-for-individual-policies/</loc>
  <lastmod>2003-10-12T02:05:34+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21450-is-purchase-land-for-primary-residence-permitted-as-a-hardship-withdrawal/</loc>
  <lastmod>2003-10-08T16:10:47+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21449-failure-to-take-required-minimum-distribution/</loc>
  <lastmod>2003-09-29T14:16:04+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21448-whether-a-fee-for-processing-a-lump-sum-is-part-of-the-taxable-amount-or-does-it-occur-prior-to-distribution-and-hence-should-not-be-taxable/</loc>
  <lastmod>2003-09-29T15:47:03+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21447-safe-harbor-match/</loc>
  <lastmod>2003-09-29T16:10:13+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21446-is-a-one-person-self-employed-defined-benefit-plan-subject-to-required-quarterly-contributions/</loc>
  <lastmod>2003-09-30T15:05:23+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21445-anyone-have-a-survey-to-determine-how-much-participation-there-would-be-for-a-proposed-401k-plan/</loc>
  <lastmod>2003-09-29T06:32:28+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21443-taxing-distribution-of-less-than-account-balance-includes-pre-tax-and-after-tax-contributions/</loc>
  <lastmod>2003-09-29T17:50:23+00:00</lastmod>
  <priority>1</priority>
 </url>
 <url>
  <loc>https://benefitslink.com/boards/topic/21442-how-does-a-non-participant-go-about-researching-the-details-of-a-specific-401k-plan/</loc>
  <lastmod>2003-10-03T13:44:48+00:00</lastmod>
  <priority>1</priority>
 </url>
</urlset>
