HarleyBabe

Have an IDP cycle A filer that is due 1/9/08. Obviously missed the the 1/31/2007 deadline. My question is, do I need to include the 2005 cumulative list or the 2006 cumulative list? If filed timely it states the 2005 list but seems to be silent on the 2008 filing deadline.

thank you, that's what I needed.

yes, very confusing, what would you do? One or two forms?

So if I'm preparing one set of tax forms, for the 5500, I obvioulsy don't check single employer plan, correct? Also, which sponsor do I put on the form the original adopter?

So, at the risk of sounding like an idiot, you say one per plan. It's one plan, two sponsors. So only one 5500?

Have a two companies with identical owners. Both owners own 100% of each company. The second company therefore adopted the first companies plan. They fund separately but to the same institution. Is it one 5500 filing for the group or two 5500's, one for each company?

I wouldn't be allocating differently within the group. They would all be receiving the same percentage of pay, except for those whose pay is in excess of the SSWB and those participants are in Group1. Guess the questions is, do we have to amend? or is this considered testing on a contributions basis. There is a last day rule on some of the groups but not all. Basically they are all getting a pro rata allocation, I would just be plugging it in to the groups. The amount to each group ins't the issue, it's, 1. it fails AVB, 2. it fails 401(a)(4), but it passes ratio. I just thing the doc needs amendmed to get rid of the groups. The master doc does only states that the allocations will be made by group.

Have a plan that is cross-tested, 8 different groups. Because of turnover, cross-tesing really doesn't work very well and it's too late to amend the allocation method for the year we are in . Does anyone agree or disagree, that you could run the calculation integrated and then plug the contribution figures into the participants within the groups? As a side note, if we do that, it fails AVB Test and General Test which I know we have to do as part of cross-testing. Some feel that this is acceptable because we are essentially testing on a contributions basis and it passes ratio. I seem to not be able to get past that being okay but can't prove it, and don't we have to amend to state the Integration Level in the Adoption Agreement and state that the contribution will be allocated on an Integrated Basis? Thanks for any input.