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Floor Offset Plan


Sunny Gupta
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Floor Offset Plan is top heavy minimum of 5% Profit Sharing (PS) Highest HCE Allocation rate comes to 25.12 resulting PS testing Minimum Gateway will pass with total PS 7.50% (

PS 4.50% plus SHNE 3%)

But if I reduce the PS to owner to total 4.50% (PS 1.50% plus SHNE 3%), then highest HCE Allocation rate comes down to 24.92% and Minimum Gateway pass at Total 5% (PS 2% plus SHNE 3%). 

My question is do I have to offset in 5% or 4.5% for all participants in DB plan?

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