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He is in the library with the candlestick.

People who design their plans such that the HCE's receive the SH deserve their fate.

Another option would be to ask for Social Security statement of earnings. The employee can obtain this directly from SS website.

probably could pass testing with component plans. pretend you have 2 'plans' not aggregated young HCE and one NHC on an allocation basis - the other 2 employees treated as includable and at 0. the other HCE with the nhce on an accrual basis and now the 2 ees from the allocation basis treated as 0.

Let me play Devil's Advocate for a moment - suppose plan accepts loan payments by check? (some do) - or suppose this person was they payroll person, and doctored the accounting somehow so that embezzled funds were run through payroll as a normal loan payment? Doesn't seem like any plan operational error there to me.

I disagree. The Plan accepted loan payments. I think someone else said this too. The real crime here was the stealing from the Employer. I think the Plan is an innocent bystander.

over the years I've ended up with a number of these. I think maybe 14 or 15, saved here and there on the computer. what a disorganized mess I have. Here is one of the Beatle's songs. 'They' did a song for both 401k plans and another for DB plans so I'll have to find the files for that version as well The Beatles - Yesterday Yesterday, sixty-five it seemed so far away Now it’s come today, it’s here to stay I wish I had a 4-0-1 k Suddenly, I’ve not half the cash I used to see The bill collectors shadow me Retirement came suddenly My sa-vings are so low, I don’t know just where I’ll stay I did something wrong, should have saved and put away 4-0-1(k)s, oh it’s such an easy way to save now I need a place to hide away and it’s too late for a 4-0-1 k My sa-vings are so low, I don’t know just where I’ll stay I did something wrong, should have saved and put away 4-0-1(k)s, oh it’s such an easy way to save now I need a place to hide away and it’s too late for a 4-0-1 k Mm mm mm mm mm mm mm good yesterdy.mid

And my own version: Yesterday... Income tax was due, I had to pay... All the funds I tried to hide away... I don't believe, I'll eat 'till May. Suddenly... I'm not sure that I am fiscally... Ready for responsibility... Oh yesterday, came suddenly. Why, I Owed so much, I don't know, I couldn't say May be Forms were wrong, how I long, for yesterday. Yesterday... Seemed like prison time was on its way... Now I need a place to hide away... While keeping IRS at bay. Why, I Owed so much, I don't know, I couldn't say May be Forms were wrong, how I long, for yesterday. Yesterday... Taxes due, I filed come what may... Losing all deductions that's my way... Of giving IRS my pay. mm - mm - mm - mm - mm - mm - mm.