Guest Laura Browne Posted July 30, 2004 Share Posted July 30, 2004 In an non-ERISA 403b plan, is adp/acp testing required? Link to comment Share on other sites More sharing options...
ljr Posted July 30, 2004 Share Posted July 30, 2004 The deferrals do not need to be tested but any match does. Link to comment Share on other sites More sharing options...
Guest jazmyn Posted July 30, 2004 Share Posted July 30, 2004 You would not have an ACP test in a non-ERISA plan. If you had matching contributions then the plan would be considered an ERISA plan and yes you would have to run and ACP test. Link to comment Share on other sites More sharing options...
Lori Friedman Posted July 30, 2004 Share Posted July 30, 2004 The ADP test is never required for a 403(b) plan. If the plan has an employer match, it won't be a non-ERISA plan and will become subject to ACP testing. But, the employer really doesn't want to "go there". It's best to protect the non-ERISA attributes of a 403(b) plan and make any employer contributions to a separate, parallel qualified plan. It's ok to do a 403(b) match into a qualified plan sponsored by the employer. Lori Friedman Link to comment Share on other sites More sharing options...
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