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Some of the stories about payroll systems or providers that hit this board make me chuckle. You feel like you are in a time warp. I know this doesn't help the question. By the way I also agree this is a problem.

Are you sure it has to be allocated for 2018? Sometimes (often?) the doc will say it has to be allocated in the year of the forfeiture or the next year. I'd try that first. Otherwise, I'd try to use it on admin expenses. Last choice would be to allocate it as a profit sharing contribution, assuming the plan allows match ff to be allocated to PS. Which raises another caution flag - will this create nuisance accounts for participants who otherwise would not have an account? If you wind up allocating $25 or whatever so someone who doesn't have an account, that is a waste.

In case you need safety in numbers, Mel_1999, I agree 100% with Bird. You could probably get by IRS exam with just the resolution, but if that's all you do there is large risk that plan will not be administered correctly and eventually you will need to fix in EPCRS.