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Tell them you'll stop singing if they all defer at least 6%. Your client will say thank you for scarring the Employees' collective psyche to such an extent as to never risk failing ADP ever again--Money & time well spent! "Enroll in the 401k or else the HR team will bring that goofy singing CPA back in here"

Sorry, not a response to your questions, but we see this all too often. Seven payroll deposits of contributions and loan payments late and none of the 20 people involved noticed! Everyone just assumes that payroll and deductions are handled correctly. We know what assuming does.....

You have two separate applications here: (1) the definition of eligible employee in the plan document and (2) how you do your coverage and nondiscrimination testing. Say you have a M&A transaction and the definition of eligible employee is simply any employee of the employer within the control group. The transition rule doesn't help you and those new/merged employees are now eligible (and maybe immediately if prior service was required to be counted), which is why that language now shows up in most (all?) preapproved documents. You can choose whether or not to apply the transition rule in your testing, but you have no after-the-fact option on the documents definition of eligible employee.

I know Elvis had a few motivational songs, and Louis Armstrong and others and surely you are familiar with the Beatles sang 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 .....................................................