Leaderboard

The regs aren't always logical, but we still have to follow them if we want our clients' plans to remain qualified. In this case, the regs make you follow the same rules to reduce a SH contribution mid-year as you would for a complete suspension of the SH mid-year. That may not always seem fair, but that's how the rules work. I tell clients that going SH is buying your way out of the discrimination testing on deferrals and match. The price you pay is the SH contribution and following the SH regs. And, yes, it can be painful to exit the SH mid-year.

You can make it one step shorter by not clicking on your name and just going to the top of the page and click the drop down with your name, etc. Not sure its any easier or faster though

All of this is generally irrelevant because we now have approved documents that allows for each participant to be in their own group.