Retire

Thanks very much!

Thanks Mike ! So if Profit Sharing is rich enough to the NHCE who deferred & received the SH Match then the NHCE who did not defer (& worked >1,000 hrs & was an active EE at year-end) would not receive Gateway even though he's eligible to receive a Profit Sharing contribution?

401(k) uses Safe Harbor Match & Cross-Tested Profit Sharing Plan is not Top Heavy 4 EEs who have met 1/21 eligibility all with >1,000 hrs (no term EEs) - 2 HCEs (1 is the Owner) / 2 NHCEs Both HCEs & 1 NHCE made 401(k) contributions (non Owner HCE was excluded from SHM) HCEs receiving max PS Is Gateway required for NHCE who did not defer?