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Greetings from Sylva, NC, where Lois and I experienced totality! Amazing. The sky was a deep blue (not black), which doesn't show up in photographs. We saw at least one planet (or maybe it was a star). The temperature dropped by about 10 degrees. The corona was very prominent. Lasted about a minute and a half, but I'll never forget it.

I would not think so. Most plans probably do have a participant count greater than zero on day 1.

dBase was much easier to program in than FoxPro.

I just got back from driving to see totality. Awesome, glorious. All adjectives are inadequate. I totally geeked out. If you've never seen it, I urge you to begin planning for 2024.

it was odd seeing totality. Like they said the bugs started chirping. The lights with electric eyes came on. But yes it take very little of the sun to keep things bright. It wasn't until things were covered that it got anything like dark.

I remember when the company I worked for years ago started its daily group. A co-worker of mine became the team lead of the daily group and I became the team lead of the balance forward group. He told me I was the team lead of yesterday's technology and it was a matter of time before I got laid off. Fast forward a few years and the company decided the liabilities of a daily group was too high and they shut that group down. It was him not me that brought up that comment and we had a good laugh at lunch on his last day there. I did get laid off eventually but it was a fair number of years later. So he was right in a sense. I don't know if I could ever really do daily work day in and day out so it is a good thing I like ESOPs. But I am also feeling my age with these kinds of questions.

Up here in the Northeast, we're only getting about 2/3's. BUT, all the hype made me decide to look on the internet yesterday as to what happens in future eclipses, and it just so happens that April 8, 2024 will put where I live in the totality, so I don't have to move off my deck to observe if I so choose.

matching contributions can not be used to satisfy integrated portion, so not sure what you mean by your second bullet point. I've never tried running both a SHNEC and integration on Relius. since you can't use the SHNEC to satisfy integration either, are you able to run the integrated formula first, and the run the safe harbor contribution? e.g. they are putting 50,000 toward the integration portion plus the 3% safe harbor?

Back to the original question.... Yes, drafting a QDRO is practicing domestic law; no question about it. I can actually practice "pension law" (the Internal Revenue Code stuff) because I am an Enrolled Agent (CPA has same authority) but a QDRO is outside of that area. I draft lots of QDRO's. I do not ever work for the participant. The participant is told to have their lawyer contact me. I have a simple one page form that is filled out and signed by the lawyer that makes it clear that the lawyer is hiring me and I provide my finished "draft" product to the lawyer for them to take to the court. It even has the lawyer's name on it as "prepared by", not mine. I don't care who sends the check (I get paid before doing the QDRO). Often I get two checks; 1/2 from each of the soon to be ex spouses, but it is still the attorney that is hiring me and my document is the work product of the lawyer. Therefore, I am NOT practicing law.