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Yes. If you go to the Relius Support page, they have a Quick Start Guide for the Long Term Part Time employees. Unfortunately, this guide does not seem to be posted in the Help screens inside of Relius.

If you are not sinking, you are floating!

Ahh... yes. Goes to show you can be looking at something forever and just overlook a simple mistake. A second set of eyes is worth its weight in gold. I made the change in my SS and indeed I came up with $23,226.56 which is what my client came up with. Thank you both for being my second set of eyes!

I think that's Mike's Friday night version of "yes" - you avoid ABT.

That is the key. Typically, unvested balances forfeit at the earlier of distribution of vested balance or 5 consecutive one-year breaks. If you have unvested balances remaining for participants who have been gone longer than five years then you could have a compliance issue - operational defect for not following plan document that may have required forfeiting and re-allocating (or reducing ER contributions) in a specific time frame. You should make sure that is clean before terminating the plan. Then, anyone who has not forfeited unvested balances under the terms of the plan must be fully vested upon plan termination.

Class year vesting

Floating.

Not the IRS to blame this time - it's Congress. This comes from the statute. Some googling tells me that this particular section (attribution to minor children) was part of the original text of section 1563 which was added by the Revenue Act of 1964. It's worth noting that ARA has been trying to get this fixed in legislation, and at least one of the bills that was drafted (but has not been passed) does include a provision to fix this. https://www.asppa.org/news/browse-topics/what’s-new-secure-act-20

https://benefitslink.com/boards/index.php?/topic/68165-lifetime-income-illustration-formula/

Everybody's administrative software (DATAIR, ASC [as shown above by C. B. Zeller], etc. should have the ability to generate the factors necessary to produce the disclosures. Here is a screen shot of my program confirming the 252.208 factor.