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Side note: I wouldn't get any of the optional modules (other than the 2, I think, you must get). I don't think it would be impactful.

I pre-purchased the modules in the bundle to get them done. I gave myself a month for each module but you could probably do it more quickly if you wished. They are open book, not proctored so not so bad. The actual CPC exam I felt was extremely easy compared to all the other examinations and to be honest after its all said and done, I felt a little cheated that the last exam was just fluff and focused on mainly the most basic of questions for each of the main topics. I would say of all the exams its definitely the easiest. I gave myself 3 months to study and take exam but I didn't need it. You almost don't even need to read the CPC book if you studied for all the other materials, you could pass without reading.

Someone could be transferred to an ineligible class of employees, and have no current balance under the plan. Like if you start at Division B on 1/1, which isn't eligible for the plan. And you have no past balance from when you worked at Division A.

Agree with JustnERPA. The ACP may be performed on all of the matching contributions, or just on the match that exceeds 4% of compensation. However, you may find that the test results are better if you use all the match in the test, not just the match over 4%.

Might be time to re-think the waiting period. Consider why the current definition exists and ask whether it makes sense w/r/t/ the characteristics of the workforce. Consider a shorter period for everyone, such as 30 days.