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Showing content with the highest reputation on 11/28/2018 in all forums
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Which "plan year" do you use to determine keys for top-heavy
Luke Bailey reacted to Mike Preston for a topic
I can't find anything at the moment that has a usable citation. So, how about a practical analysis? I submit that if an individual terminates early in year X and said individual would be increased pursuant to the top-heavy vesting schedule were the plan determined to be top-heavy it is therefore required that the top-heavy analysis be performed solely with information available at 12/31/X-1. Does that do it for you?1 point -
leevena: My best guess is the current plan offers a couple of benefits and the sales person picked up on the fact that more could be offered. He/she probably said something like "you only are getting A and B. I can offer X, Y and Z!"1 point
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Benefits Rights and Features
Purplemandinga reacted to Kevin C for a topic
The rules you are looking for are in a different place. The way participants vest can not discriminate in favor of HCEs. See 1.401(a)(4)-11(c).1 point -
reduce compensation to offset match
ErisaGooroo reacted to Luke Bailey for a topic
The proposed provision violates the $18,500 deferral limit by whatever the match is. The plan design would make the match an elective deferral along with the conventional "elective deferral."1 point -
How to correct an overpayment, using EPCRS 2016-51
ErisaGooroo reacted to AlbanyConsultant for a topic
Is it just me, or does the second sentence of 6.06(4)(a) not seem to be complete...?1 point -
I'd be concerned whether the amendment is discriminatory.1 point
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