Leopurrd

one of my very smart and not nearly as stressed co workers figure out the issue. relius is not allowing us to publish SSA's! just a heads up in case anyone else has the issue. we had to choose to publish efile forms only to get it to work. i have reported the issue to relius. thanks!

we are trying to publish to webclient online and getting an error stating "publish aborted. Err: 0,". I have put in an incident to Relius but getting nowhere. I was wondering if anyone had this error before and knew how to fix it? thank you! Vicki

was the form on the dol site actually signed properly? i've seen cases where the form was received on the site and Relius gave us a filing received status, but the form on the dol site stated "improper signature". it has something to do with the fact that relius is quickly checking the parameters of the e-signature but cannot actually match it up to the dol's site. I have sent them a trouble ticket about it and they were looking into it it's my understanding that's it isn't a proper filing if it's not correctly signed. i'd look at the signature ASAP. I think we are actually going to add a caveat to our cover letter for e-filing this year that the sponsor needs to double check their signature on the dol page. It's all very frustrating. good luck!

Thank you both! These are very helpful hints. I'm going to suggest that we update our correspondence with these suggestions

Yesterday during the mad rush to file we had a few clients that got their PINS from the DOL and received the "processing stopped" filing status. When they went through and reset their PIN and refiled, it was approved. Anyone else have this problem? It's very frustrating that the DOL can't take the PIN the first time! ARGH. BTW, I'm using Relius WebClient. Thanks! Vicki

what about allowing only nhce's to participate and setting up a nonqual for the hce's??

Thanks everyone! So basically we keep the deferrals and have to manage the testing based on the time they were HCE and NHCE. I think that won't be a huge problem.

Here's the issue: The plan excludes HCE's. The owner decides to marry his secretary in the middle of the year. She's now an HCE since he owns more than 5% of the company. Her deferrals before she married - excluded or included? My personal opinion: HCE is for the entire year; she knew she was getting married and shouldn't have deferred; hence ineligible deferrals to the plan. Thankfully this doesn't happen too often in my plans but I guess I should learn to expect the unexpected.... Thanks for your opinions! Vicki

Thanks to you both! I agree 6 years is pushing it but I've been advised that this indeed is "insignficant". Not necessarily my opinion but sometimes I just do as I'm told! Really my only job was to calculate the QNEC. I will definitely look into this but probably will end up adding to the 1st year results to push them up????? I wish EPCRS had FAQ's on stuff like this! Tom - thanks so much for the song. It brightened up my weary morning! Vicki

I'm working on allocating a QNEC instead of using the one-to-one method for late excess contribution refunds. The plan uses prior year testing I understand that under EPCRS you have to use the appropriate participant data (so for 2005 failures I need to allocate the QNEC for 2004). I've ran into a problem - this plan failed in 2005 but this was their first year of testing so they used the "new plan rule" and had a max HCE average of 5%. How do you allocate a QNEC in 2004 for that? Or maybe I need to use one-to-one in this situation since that's the only way I can determine the amount of the QNEC? Please help! (Tom, I know you and your massive brain are out there somewhere!) Thanks for any help you can provide! Vicki

Hi everyone! Can anyone chime in on Relius WebClient errors; specifically a P-215 error regarding termination criteria? We had a welfare benefit plan (with only 5500 and schedule A attachments) receive this error. Do you know what they are looking for? Is this a glitch not yet fixed? Thanks for any input or hunches you can provide! Vicki

with electronic filing you now have to use the correct year. the 2010 forms are already out. We use Relius Gov Forms and rec'd our update late last month. Several 2010's have filed without an issue. Hope this helps! Thanks, Vicki

I would try removing any odd characters ( &, (, ), etc) from your filing and try again. We have had luck with that when getting the schema error. Good Luck! Vicki

Just rec'd word that Web Client is experiencing issues that should be cleared up over the weekend....

Have you reviewed the status history on the web client website? It should provide you details of why the processing was stopped/denied once you click on the status link. per the dol, processing stopped is considered a filing, that is why it shows up on the website. you need to amend the filing after making the necessary corrections in order to be timely filed. We had several of these because the clients did not properly input their PIN on the EFILE link (nor did they check the box on the left). I have never seen the denied status. hope this helps! Vicki

Thanks for all the tips! Yes, we tried having a different user publish but that didn't seem to work either. We attended Tom's webinar on 6/9 and he thought it was because we didn't have SP3. The update was just installed but i have yet to test that theory. Please let me know if you come across any updates on this issue!!

Thanks Bill! I appreciate the help. Just to mention - we have not yet installed SP3...not sure if that is the difference or not? Have a great weekend!!

Hi everyone! For those relius webclient users trying to submit EFAST2 filings.....has anyone had issues publishing multiple years for one client? I have updated the filing year in the plan info sheet but when I try to publish the 2nd year it just overrides the first year I published. (For example, if we have a 2009 filing and a final 2010 filing....the 2010 filing overwrites the 2009 filing). I was hoping someone had a tip on how to get this to work or knew that there was a glitch in the system? Thanks! Vicki

quick update! Efiling is up for us..hopefully everyone now. we are still awaiting confirmation of correction on print issues

We had trouble submitting an amended filing via EFAST2 through web client. We are waiting for Relius to contact us regarding the submission. The site shows it was "submitted" but EFAST2 confirmed they did not receive. Anyone else have this situation? We are also experiencing the printing issue. Thanks!

You have late contributions to the plan - so you need to file a 5330. The late interest needs to be allocated to affected participants. That's the good news. The bad news is, I don't think you can save the deemed loans. It really is the participant's responsibility (and the employer's!) to make sure everything is going where it should be. If I were you, I'd deem loans pursuant to current regs and then use the loan repayments towards the deemed loans and start an after tax basis in the plan. This way, the plan is in compliance by issuing 1099-R's, and the taxes are made up when the participant takes a distribution via their after tax basis. Good luck in making these corrections! Hopefully the interest payment and excise tax is high enough to teach them a lesson

it is my understanding that the plan itself is in compliance because the refunds were distributed in the 12 month period. It's the participant that is in violation because they rolled over a distribution that was not eligible to be rolled. Write a letter stating that the participant needs to have the ineligible monies moved from their IRA account immediately, and send them a revised 1099R splitting out the rollover (G) and taxable portion/refund (8 or P depending on 1099 year). The plan doesn't need to do the one to one/qnec at all.

I don't think so, but it's not as hard as you would think. Once the distribution is requested: Have them complete a W-9 if they are considered a US citizen or a W-8 BEN if they are not a US citizen. Next, distribute to them the cash and withhold based upon the US treaty with the country (sorry - can't help you with where to find it. Maybe someone else on the board knows where to find this info)? the distribution is reported on a 1042-S for a foreign payee.

I didn't think the IRS acknowledged any part of the program? We always use the IRS locator service as a last resort, because the IRS will not let you know if it was successful or not. We've tried online locators, Equifax reports, beneficiary forms (calling the family), private investigators, etc. It all depends on the account balance If you are trying to locate lost participants, your doc should allow you to roll these into an IRA of some sort (or purchase an annuity if subject to J&S). Even if the amount is over $5,000, there is usually some sort of provision in the doc overriding this to allow a reasonably quick plan termination. HTH, Vicki

Usually I see that the Safe harbor is only effective for the partial period, simply because the safe harbor contribution allows you to pass ADP. It wouldn't make sense to contribute a safe harbor for the entire year even though you could only defer for part of it. Again, check your document. Also, don't forget that if they only make the safe harbor contribution, that covers top heavy, so you may not need to give the participant 3% on their annual salary.