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Showing content with the highest reputation on 11/12/2015 in Posts
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In case ETA's answer isn't clear 1st match is safe harbor - not discretionary 2nd match is a fixed formula in the document - also not discretionary 3rd match is discretionary, can not be more than 4% of pay and can not match deferrals in excess of 6% of pay.1 point
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Triple Stacked Match
Lou S. reacted to ETA Consulting LLC for a topic
No, only the last part is discretionary; which is why the overall amount is limited to 4%. After you provide the basic match of 100% on 3 and 50% on next 2, you may provide a fixed match to meet the ACP safe harbor. This fixed amount is not limited (e.g. to 4%) as there is no discretion on whether or not it is made. The 3rd match (the one that is limited to 4%) would be discretionary. Good Luck!1 point -
Kosher or not, we advise not to hold life insurance in a qualified plan. Those who have experience in doing so may comment on the compliance issues, but starting out with so much insurance is a separate concern.1 point
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Say Goodbye to ERPA (eventually, I guess)
SwimmingInBowelsOfERISA reacted to austin3515 for a topic
Don't forget if Ted Cruz gets elected there won't be anymore IRS That's gotta be one of the most cockeyed things I ever heard. I'm sure his secret plan is really to move all of the functions to the newly established Service for Internal Revenue.1 point
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