S- Milwaukee

Yes, they have less than one year of service, one is 2 months one is 3. They do have a fail safe language in the document. If they correct with adding people in with non elect, they will have to add some from the other company, because the 2nd company does not have enough people. Does the plan also need NDT testing together? Please clarify your thoughts on the ABT? should that be ran or do you have to go with the Document for coverage? Thanks much!!!

NHCE company 2 combined 208/208 + 100 % 76/208 =36.54 135/208 = 64.90 =48.72 fails 259.62% passes

SH Plan non SH Plan company 1 company 2 combined 1/4 = 25.00% 3/4 = 75% 4/4 = 100%

I have a Control group 2 plans different elig one a SH, one not. The plan that is not a SH fails combined testing. But there are not enough people in that plan to allocate a benefit , to pass testing. What are my options?

Client with a LDP for match. They sold a few locations during the year. The client considered the sale date to be the late day of employment for those effected ppts, and matched those ppts. Is this proper treatment to consider the last day of a participating employer's participating in the plan to satisfy the last day provision when that date does not coincide with the documents definition of plan year?

Great thanks. Just what I thought. We have a vender using the Qaca in their Hardship Distribution calculation.

can a QACA match balance be included in a hardship distribution?

What is your process for a Missed Auto increase? Last year person was missed.. so actually this year she should be increased by 2 %. Anybody have any hard and fast rules on this? They were increased on their first year.. to 3 %.. then 2015 should have been 4 and 2016 should be 5.... Thoughts?

Yes, I should have said Key employees. Thanks! For some reason i was thinging that since my Key person was deferring, I had to make sure I was passing on coverage.

Do you have to apply coverage testing to a Top heavy calc if is just the NON HCE particpants are suposed to be receiving the Top Heavy Minimum? I had 2 HCE. One terminated during the year one is still there and DEFERRING.

Question about my test. New owners in 2014 2013 owners did not have comp in excess of the HCE level (prior year comp) My thinking is that just my 2 new owners are in my HCE group?