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i would question how policy was "rolled" into the plan and yes, the $90k loan is an issue. Personally, I don't like in-plan insurance and prefer to let those who do take care of such plans.

I think it depends on what type of insurance (and I don't think the instructions provide guidance, at least not clear guidance). If term, and yes, I have seen plans with term insurance, then it is definitely an expense item...I'd use line 8g (SF) "Other." If whole life or UL or some variant that develops a cash value, then I treat it as any other asset of the plan, so premiums are really transfers and don't get reported anywhere. The gains or losses are part of the "other income" on 8b (again, the SF form).

Just don't get acquired by United Retirement Plan Consultants!! They are bad news.

still, in comparison, it does have a kind of similar "ring" to it. hope you have a good ending to it.

I've never had an audit where the IRS agent insisted that information be faxed. I have had them ask if I would fax things to speed up the process. The few times they asked for a large amount of information, they changed their minds about a fax when I told them how many pages were involved. Personally, if she told me she wanted a 100 page fax, I would fax it. I prefer to pick my battles and save the aggravation of arguing with the government for times when they use an incorrect interpretation of the rules to justify penalizing our client.