R. Butler Posted March 16, 2018 Share Posted March 16, 2018 I should be able to find this jut by searching, but the search feature seems to have changed and I'm not finding anything. Employer sponsors safe harbor 401(k) plan. Employer is closing its doors. They are not being acquired, simply going out of business. Since there isn't a merger/acquisition I don't see nay 410(b)(6) help. There isn't a business hardship; the owners are simply retiring. I think if they terminate mid year they have to meet top heavy and are subject to ADP testing. Am I missing anything? Thank you for any guidance. Link to comment Share on other sites More sharing options...
Below Ground Posted March 16, 2018 Share Posted March 16, 2018 You are correct. If Key gets contribution then TH Minimum applies. IF HCE defer then ADP (and ACP) apply. Having braved the blizzard, I take a moment to contemplate the meaning of life. Should I really be riding in such cold? Why are my goggles covered with a thin layer of ice? Will this effect coverage testing? QPA, QKA Link to comment Share on other sites More sharing options...
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