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2020 5500 due 7/31/2021 or 10/15/2021 if extended Final 5500, assuming the assets are zeroed out in April 2021, 11/30/2021. you can also extend this for another 2 1/2 month as long as you file 5558 by 11/30/2021 Hope this helps.

I don't believe you can use the 2020 catch-up and carry it forward to 2021. You either have to use it for exceeding the 2020 415 limit (which you did on PYE 3/31/20) or for exceeding the 2020 402(g) limit which the participant has not done with the recharactherized catch-up on the 3/31/20 PYE.

Great advice!

We have used a local high school Spanish teacher for translation services for many things. We use the built in translator in word for a bulk of the translation and then have the Spanish teacher clean it up from there. We contract the service by the hour. You could contact a local high school, college or a tutor and probably find someone who would be willing to freelance and do translations. Relius does provide their website, app and VRU in Spanish, but we have not seen it with their plan document software.

You are correct. And your company SHOULD be more terrified of the consequences or potential liability for knowingly administering a plan in violation of the document (which almost certainly states the parameters of the exclusion) and in violation of the regulations. Refer your supervisor to 1.403(b)-5(b)(4)(ii), and (iii). And in (iii)(B)(1), have them note the "reasonably expects" clause that you alluded to above. The IRS also provided some additional guidance on this subject in IRS Notice 2018-95. Good luck!