PMC Posted November 17, 2008 Report Share Posted November 17, 2008 403(b) for a 501©(3) with matching contributions and they are interested in safe harbor to avoid ACP. The Matching contributions must fall within the parameters of contribution minimums and maximums for matching contributions to avoid the ACP test under 401(m). These Matching contributions are not being used to automatically satisfy ADP since there is no ADP test. Do these matching contributions used to satisfy ACP have to be immediately 100% vested? I understand the other requirements for ACP safe harbor, i.e., no allocation restrictions, no hardship w/d need to be satisfied but wondering about vesting, since additional Matching in a 401(k) could satisfy ACP without being 100% vested. Thanks Link to comment Share on other sites More sharing options...
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