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How do you know that is the permanent address of the participant? If the participant will not accept mail that does not sound like an address you want to send retirement checks to indefinitely. I would apply the forfeiture at MRD provision in the plan until the participant requests the benefits to prevent the checks from being forged.

I think the recurring conversation goes something like: Attorney: You should really restate your document, Client: OK, sure. How much willt that cost? Attorney: $__thousand. Client: Next year's looking a lot better, we'll do it then... Obviously this client should be on a preapproved plan. Will the attorney tell them that though? Who knows. I wonder if the attorneys will start using the VS check the box document more often or if it is just that contrary to the fiber of their being. I think they have a wonderful incentive to do so - the mandatory restatements for which they can charge. 98% of these documents are not doing anything that can't be done on a good pre-approved document. Or maybe the good ones will give their favorite TPA's referrals!

You may be right! I'm in an uncharacteristically benevolent mood right now, so my cynical side (which normally has the upper hand) is temporarily repressed. As to the south Florida land, I think I already bought that - according to my deed, I apparently own all the land upon which Walt Disney World is built. With that and my stock in "I admire Congress" Buttons Manufacturing Corporation, I can retire in style...