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As Bill says, "pretty normal." These comments do assume, however, that the 403(b) was actually Non-ERISA. Simply not having employer contributions is not enough. It is an issue of employer control over the plan. I suggest either making it clear that you are not responsible for the status of the 403(b) or digging into it so that you are satisfied it is and has been actually Non-ERISA. The place to begin is what does the plan document say? Good that the two plans were "never coordinated." Coordination might have made the 403(b) ERISA. PNJ