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well that all depends. if it is a db-dc combo I think that table works out best. if it is only dc, then in the process of calculating an e-bar, you divide each person by the APR, so if no one is past retirement (or is an oldie due to 65/5) then it doesn't really matter because at that point it is a constant. if you impute disparity then 1983 IAF works best years ago at some talk I did I ran the following as an example Using UP 1984 Mortality table was adds w/ disparity HCE 3.214 .17 3.391 NHCE 2.732 .65 3.382 NHCE is not in the rate group Using 1983 IAF mortality table was adds w/ disparity HCE 2.657 .17 2.834 NHCE 2.258 .65 2.908 In the rate group with room to spare! of course, you could probably get by grouping accrual rates for UP 1984 but why bother. ............................................................. Dang, this was the talk Otis Redding showed up and sang "Sittin' in a 401(k)" (I can't attach a 'mid' file, but if you download the file and delete the '.xls' extension the sound file should work and you can karaoke if you are so inclined) Sittin’ in a lifestyle fund I’ll be sittin’ when retirement comes Automatic enrollment kicked in The default investment’s a sin I’m sittin in a 4-0-1 K Watchin’ the funds roll away Sittin’ in a 4-0-1 K Wastin’ dimes The fees they seem to gorge-ya Nothin’ changed under P-P-A The returns are really poor Looks like nothin’ gonna come my way I’m just sittin in a 4-0-1 K Watchin’ the funds roll away Sittin’ in a 4-0-1 K Wastin’ dimes Looks like nothin’s gonna change Everything still remains the same I don’t know just what the fund will do The amount always remains the same I’m sittin’ here resting my bones There ain’t enough to take a loan Two thousand lies on the phone Just to make this investment my home I’m just sittin in a 4-0-1 K Watchin’ the funds roll away Sittin’ in a 4-0-1 K Wastin’ dimes SITTING ON THE DOCK OF THE BAY.mid.xls

Sure, you may match on the entire plan year Compensation if you design it correctly in the document.. You would not use payroll period match. Just be sure to draft the document correctly. Good Luck!

Let's rephrase the question. You would like to know whether or not life insurance policies are considered 'eligible assets' for Form 5500 SF purposes. I do not see why they wouldn't be. I believe that they have readily determinable fair market value; and we know they are issued by an insurance company. Good Luck!

There is something about working for big awesome recordkeepers that engenders flawed thinking.