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I would prefer the default to be "no emails" and I could turn it on if I wanted. I really don't need an email for every single post in every single thread.

Been there, done that. Do it.

My opinion as well.

I have a life insurance salesman who has a significant part of his revenue paid to him as a statutory employee and is covered by the insurance company's retirement plans. Additionally he has other commissioned income that is not considered statutory income by the payers. In addition he has his own employee that he pays W-2 compensation. He wants to establish a separate retirement plan covering his non statutory income and the employees income. I have not been able to find anything definitive. Would seem for retirement plan purposes he could establish a Plan for his non statutory income and that of his employee. Any thoughts greatly appreciated.

me too..

Here is SunGard's, I mean, FIS's take on this: "It is important to note that to apply these changes, plan documents will need to be amended to remove the language that restricts the use of forfeitures to fund safe harbor contributions. FIS Relius will be preparing good-faith amendments for this purpose in the near future. Since this change is discretionary, an amendment would need to be adopted by the last day of the plan year to which it applies. In addition, an earlier amendment might be needed to avoid violating the anti-cutback rules (IRC §411(d)(6)) depending on how forfeitures are handled under a plan sponsor’s current plan. For example, if the plan provides for the reallocation of forfeitures, then amending the plan to reduce contributions could violate the anti-cutback rules if participants have already satisfied the conditions for sharing in the reallocation of the forfeitures." Their full explanation: IRS Relaxes Rules on Use of Forfeitures to Fund Safe Harbor Contributions

If we're voting, I would prefer an inline notice and not an e-mail.