to clarify a comment made a few posts ago "1) If each plan satisfies the 410(b) ratio percentage test separately, then each plan needs to have a separate ADP test"
I don't think I would word this quite this way - but rather
If each plans chooses to test 401(k) coverage separately, then each plan needs to have a separate ADP test.
(in other words, even if each plan satisfied 410(b) coverage separately there is no requirement to do so, they could be tested together, in which case the ADP test would be combined as well)