Bri

That's a more recent version, but yup!

Did you pair the proper Relius account number to that source? Like, maybe your account 201 is accidentally the match source.

Only match money can be used to refund a match test failure, definitely don't swap sources. But hey, just count the amounts to refund out of his prior distribution.

Happy retirement! I know I have a printoff of yours at least 20 years and four jobs ago detailing which Code sections don't apply to government plans, it's been a fantastic resource to have!

They should pop up if you slowly type the start of a user's name here in the comment space. @fmsinc Yours came up first on the list after I typed the @ and the f - I was given a pop-up menu of several BL users to choose from.

I bet their recordkeeping software could do it within a minute.

So if he's got the derived Earned Income number popping in somewhere else, that becomes the B2 in Miles's formula above.

No, QNECs are not subject to 402(g). Somebody could do 24,500 AND get a QNEC. They're nonelective contributions, so I suppose a sponsor could give someone a 72,000 QNEC if they wanted to be that *one* employer..... They are included in the 401(k) test if the employer elects to treat them that way. So in theory, not necessarily, but it's one of those things where the sponsor's probably making them only with the intent of including them. (And then the 401a4 rules can get slightly annoying if you do have QNECs being used in the ADP test.)

As long as they're permitted by your plan document, then that's absolutely a workable solution to the test results. QNECs in and of themselves can exist for no particular reason other than Sponsor goodwill. But they're usually provided specifically because of how they help testing results.

Well, the 31% limit is going to be 117,800. The DC portion of that can't go over 95,000. If there is a mandatory DB amount that's nonzero, that eats into the 117,800.

I suppose it depends on whether or not the DB contribution is mandatory or not. If their MRC is 0 then they could skip DB funding and do the 25% DC.

Isn't this the technicality on the difference between Nx and N(12)x?

I'd be using Excel's "text to columns" feature to be able to generate a CSV file from the original TXT, but that's because I prefer delimiters to fixed-width.

Yeah, I'm not sure you need to separate the funds, since you should be separating the recordkeeping behind the scenes. The gains on the Roth are computed the same way as they are on pre-tax accounts in a pooled setting.

Either of those sound pretty good.