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Most documents allow you to write in your own formula but it will need to pass testing and that can be problematic if a lot of your longer-service ee's are HCEs

We never discuss all plan-design choices, regardless of how much time we have at our disposal. Most clients don't want to know all the ins and outs, they want a plan that fits their needs and wants. I do have a few attorney clients who have read every single page of the document and asked a couple of hundred questions, but those clients are very rare. The way I look at it, plan design is a service. I don't expect my clients look at an adoption agreement and tell me which boxes to check. Instead, I find out what the client wants (often with input from the CPA, adviser, and sometimes attorney) and I design a plan to fit those needs. I will then present that plan and explain why I designed certain sections the way I did. If the client wants something changed, we talk about why they want the change and whether it is the best way to achieve it.

Thanks all. This confirms my thinking - the logical process just wasn't crystalizing well that morning. One of those days when you question what you know (or think you know)... It is a big help to have these boards to have people either agree, or inform you that you are crazy, and more importantly, to explain WHY you are or are not crazy. Is tax season ever going to end??? I'm ready for a break!!!

Well, that does sound a lot like multiemployer plan language being added, and if it actually is a multiemployer plan, they cannot rely on that document's pre-approved opinion letter or advisory letter.