Julian

@david rigby Yes talking to our TPA is the goal; before talking to him, I need to educate myself so that I won't drown in the jargons that he throws at me.

@Lou S. Thank you very much. That exactly what I'm looking for. Every body comes with different numbers and here's the order of more limit: pensionresource.com < my TPA < ChatGPT or DeepSeek If I ask those AI to calculate without "10 year deduction" because the plan is less than 10 years but service is 10 years, the amount is much bigger because I saw some where the Acturial can waive the "10 year deduction" away because of > 10 year service. Can you expert can confirm whether we can waive that "10 year deduction" ?

@david rigby 1. Yes, the plan exists and I feel that the TPA isn't calculating right 2. Suppose to be 4% return but, it is 22% over that. 3. I'm the employer - plan sponsor. Reading thru the plan, this is a max plan - there is exatly rooms for 4% return only - anything more than that he claims it overshot the 415 limit - that's why I like to calculate the 415 limit myself.

I have access to "EAC Tools". Can someone hint which Sheet / Tables / Function should I use?

Some of you help those xls and please help me calculate these 2 owners participants max lump sum distribution limit with most liberal plan. These owners has the plan invested in the stock market so they have extreme excess so they want max limit and they can change the plan language to whatever you like as long as it's legal. [1] Date of birth 10/3/1973, employment starts 5/1/2018, plan start 2021 and plan end 2026, W-2 $140,000, interest rate 4%. [2] Date of birth 3/29/1974, employment starts 5/1/2014, plan start 2021 and plan end 2026, W-2 $265,000, interest rate 4%. If you can share the xls with me, that's super. Thanks in advance --Julian