Cross-Tested Plans

1,233 topics in this forum

1. Minimum allocation in money purchase plan

   By dmb, July 30, 2019
   • 5 replies
   • 993 views
   • 
   • CuseFan
   • July 31, 2019

2. Mid-Yr Entrant, zero "elig" compensation

   By cheersmate, July 18, 2018   

   • cross-tested plan
   • comp excl pre-pptn
   • (and 4 more)

     Tagged with:

     • cross-tested plan
     • comp excl pre-pptn
     • top heavy
     • gateway minimum
     • zero elig pay
     • ebar
   • 5 replies
   • 992 views
   • 
   • cheersmate
   • July 18, 2018

3. Gateway and Forfeitures

   By dmb, December 10, 2002
   • 1 reply
   • 992 views
   • 
   • AndyH
   • December 10, 2002

4. Non Discrim Classsification Test- Midpoints

   By Guest William Lehman, January 23, 2003
   • 1 reply
   • 992 views
   • 
   • Archimage
   • January 23, 2003

5. Excel for Cross Testing Modeling

   By Ken_BenefitScape, December 31, 2023   

   • cross testing
   • sep ira
   • 3 replies
   • 991 views
   • 
   • Bri
   • January 2, 2024

6. Imputed Disparity in a Cross Tested Plan where all HCEs earn < FICA

   By CharlesLeggette, October 27, 2015
   • 2 replies
   • 987 views
   • 
   • AndyH
   • October 27, 2015

7. Cross testing and 401(k) testing

   By Guest csk, March 5, 2004
   • 1 reply
   • 986 views
   • 
   • Mike Preston
   • March 5, 2004

8. Grouping of rates/EBR's under 1.401(a)(4)-(2) and (3)

   By Belgarath, November 28, 2017
   • 4 replies
   • 985 views
   • 
   • CuseFan
   • November 28, 2017

9. 3%SHNEC for NHCES and 9%PS for Owners ok?

   By cheersmate, March 13, 2019   

   • cross-tested
   • 3%shnec
   • (and 1 more)

     Tagged with:

     • cross-tested
     • 3%shnec
     • individual rgs
   • 6 replies
   • 984 views
   • 
   • ERISADC
   • December 9, 2020

10. Include Participant in Cross-Testing?

    By mming, January 10, 2019
    • 7 replies
    • 981 views
    • 
    • Bri
    • January 14, 2019

11. Excluding category from safe harbor nonelective

    By dmwe, January 7, 2016
    • 1 reply
    • 980 views
    • 
    • Lou S.
    • January 7, 2016

12. Min contribution by classification?

    By Guest rickw, February 17, 2003
    • 3 replies
    • 979 views
    • 
    • Mike Preston
    • February 18, 2003

13. Gateway Minimum

    By Guest tcunagin, December 10, 2003
    • 1 reply
    • 977 views
    • 
    • Tom Poje
    • December 11, 2003

14. Cross-tested PS and 401(k) with PEO Plan

    By bcmom, May 19, 2017   

    • profit sharing
    • peo
    • (and 2 more)

      Tagged with:

      • profit sharing
      • peo
      • 401(k)
      • testing
    • 5 replies
    • 974 views
    • 
    • bcmom
    • May 22, 2017

15. Young doctor blowing up CB/DC testing

    By cohendrake, February 17, 2017
    • 4 replies
    • 974 views
    • 
    • BG5150
    • February 17, 2017

16. Non-Excludable Employees with $0.00 Allocations?

    By Logan401, January 24, 2023
    • 5 replies
    • 969 views
    • 
    • C. B. Zeller
    • January 24, 2023

17. New Comp Plan - bifurcate testing (c/t for some, alloc rate for others)?

    By cheersmate, December 18, 2020   

    • new comparability
    • safe harbor 401k
    • (and 1 more)

      Tagged with:

      • new comparability
      • safe harbor 401k
      • disaggregation
    • 2 replies
    • 968 views
    • 
    • cheersmate
    • December 18, 2020

18. Two Plans / Two NRAs

    By austin3515, January 31, 2019
    • 6 replies
    • 967 views
    • 
    • austin3515
    • January 31, 2019

19. Two DC plans - gateway coordination

    By John Feldt ERPA CPC QPA, February 5, 2021
    • 4 replies
    • 966 views
    • 
    • Will.I.Am
    • June 27, 2022

20. 401(k) Cross tested plan with a 3% safe harbor non elective contribution

    By alwaysaquestion, July 23, 2024
    • 2 replies
    • 965 views
    • 
    • Bri
    • July 23, 2024

21. LLCs and compensation issues

    By kocak, December 5, 2002
    • 0 replies
    • 962 views
    • 
    • kocak
    • December 5, 2002

22. Three DC Plans

    By Cloudy, June 17, 2015
    • 4 replies
    • 960 views
    • 
    • Cloudy
    • June 19, 2015

23. Average Benefits Test

    By mming, June 8, 2016
    • 2 replies
    • 958 views
    • 
    • mming
    • June 8, 2016

24. Controlled Group with 2 plans

    By Guest thepitts, December 29, 2003
    • 1 reply
    • 955 views
    • 
    • Mike Preston
    • December 29, 2003

25. Include/Exclude Earnings During Measurement Period?

    By Guest sammy, February 27, 2004
    • 1 reply
    • 949 views
    • 
    • AndyH
    • February 27, 2004

26. Term <500 hours in or out of ABT

    By BG5150, February 14, 2018
    • 1 reply
    • 948 views
    • 
    • ETA Consulting LLC
    • February 14, 2018

27. cross-testing controlled group and excluding one company

    By TPAnnie, February 12, 2020   

    • cross tested,
    • 1 reply
    • 945 views
    • 
    • CuseFan
    • February 12, 2020

28. Law Firm CB/DC

    By Cloudy, April 12, 2016
    • 3 replies
    • 943 views
    • 
    • Cloudy
    • April 13, 2016

29. Last day rule for participants in "All others" group (and another question)

    By BG5150, February 24, 2016
    • 4 replies
    • 937 views
    • 
    • Tom Poje
    • February 24, 2016

30. Accrued to date testing--compensation question

    By BG5150, February 12, 2021
    • 5 replies
    • 936 views
    • 
    • Jakyasar
    • February 14, 2021

31. An integrated Plan [IRC 401(l)] wants to add discretionary cross tested contribution source

    By CharlesLeggette, October 19, 2015
    • 2 replies
    • 932 views
    • 
    • Tom Poje
    • October 19, 2015

32. Can HCEs get 3%

    By Dougsbpc, January 17, 2012
    • 1 reply
    • 918 views
    • 
    • Lou S.
    • January 17, 2012

33. Allocations based on hours worked in prior plan year

    By dmb, November 11, 2015
    • 2 replies
    • 911 views
    • 
    • 00hskrgrl
    • November 12, 2015

34. Excludable from ABT?

    By BG5150, February 7, 2017
    • 6 replies
    • 906 views
    • 
    • Mike Preston
    • February 8, 2017

35. Bifurcated Testing for Cross Tested Safe Harbor 401k

    By cheersmate, December 18, 2021
    • 7 replies
    • 905 views
    • 
    • Mike Preston
    • December 20, 2021

36. Does this cross-tested plan pass??

    By Santo Gold, May 17, 2024
    • 2 replies
    • 882 views
    • 
    • BG5150
    • May 20, 2024

37. Testing where self-correction involved

    By Belgarath, February 3, 2020
    • 3 replies
    • 873 views
    • 
    • JackS
    • February 3, 2020

38. Meeting gateway with separate PSP and SH 401k

    By Guest dsyrett, December 11, 2003
    • 1 reply
    • 872 views
    • 
    • AndyH
    • December 11, 2003

39. New Comp for a multiple employer plan

    By Guest chris4013, December 10, 2003
    • 0 replies
    • 864 views
    • 
    • Guest
    • December 10, 2003

40. Discrimination Testing for Employees of Entities Owned by Investment Funds

    By ERISA1, March 31, 2016   

    • 401(a)(4)
    • 410(b)
    • (and 3 more)

      Tagged with:

      • 401(a)(4)
      • 410(b)
      • controlled groups
      • affiliated service orgs
      • prohibitet transactions
    • 0 replies
    • 863 views
    • 
    • ERISA1
    • March 31, 2016

41. 415 limit and allocation to spouse HCEs

    By M Norton, August 15, 2016   

    • 415 limit
    • spouse HCEs
    • 2 replies
    • 861 views
    • 
    • K2retire
    • August 16, 2016

42. Compensation - from Participation Date

    By msmith, April 1, 2019
    • 1 reply
    • 857 views
    • 
    • C. B. Zeller
    • April 2, 2019

43. DB/DC Gateway question

    By Earl, February 19, 2016
    • 3 replies
    • 854 views
    • 
    • Lou S.
    • February 20, 2016

44. Submission of cross-testing amendment on 6406?

    By Guest kjungkin, March 9, 2004
    • 0 replies
    • 848 views
    • 
    • Guest
    • March 9, 2004

45. Only 1 NHCE

    By Logan401, January 19, 2016
    • 1 reply
    • 846 views
    • 
    • Tom Poje
    • January 19, 2016

46. "Owners" in own group. What about son?

    By BG5150, March 2, 2016
    • 3 replies
    • 842 views
    • 
    • Doghouse
    • March 2, 2016

47. Refund of 415 limit due to crediting rule and ABT

    By tghooper, April 12, 2019
    • 2 replies
    • 827 views
    • 
    • tghooper
    • April 12, 2019

48. Imputed Disparity and Safe Harbor

    By pjb1835, June 6, 2017
    • 1 reply
    • 824 views
    • 
    • Mike Preston
    • June 6, 2017

49. TH only need Gateway?

    By BG5150, February 3, 2021
    • 3 replies
    • 823 views
    • 
    • Mike Preston
    • February 4, 2021

50. MP Plan - Defined Groups - list in SPD?

    By TPApril, September 29, 2021
    • 3 replies
    • 818 views
    • 
    • Peter Gulia
    • September 30, 2021