Use a 403(b). The problem here is using a 401(k) for a non-electing church. It is a fundamental error which causes many issues that a 403(b) church plan would not have.
Is there a reason we have to abide by the 25% DC Comp deductibility limit when the plan is a 403(b) and the sponsor is a church which does not pay taxes?
Thanks!
Patricia Neal Jensen, JD, SME
FuturePlan by Ascensus
Patricia.Jensen@FuturePlan.com