lkpittman

Okay, but if we're "backing into" the amount for the non-key classes (i.e., determining the minimum amount that can be allocated under the cross-testing while allocating max to other class) then I cannot allocate the forfeitures "in addition to" the amounts going to each class--that will throw off the testing. I want to reduce contributions by forfeitures. Do I need any special language that reduces each class by a certain amount of the available forfeitures, or can I simply leave mention of the forfeitures out of the allocation language and indicate elsewhere simply that forfeitures are used to reduce the er contribution? Is this making sense? ------------------ LKP

We are setting up our PS plans to use discretionary amounts contributed for each class, allocated salary proportionate (with required notice to trustee for discretionary amounts). How are forfeitures to be "allocated"? If they are used to "reduce" the contributions, how is that actually applied (to each group?) or worded in the document? Any help here would be appreciated. ------------------ LKP