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Our primary volume submitter adoption agreement permits automatic enrollment for employees that have made an affirmative election less than the automatic enrollment amount. Automatic Enrollment (Traditional or QACA) a. Indicate who will be eligible to receive automatic contributions: i. Eligible Employees who have not made an Elective Deferral election ii. All Eligible Employees to the extent that no election was made or their Elective Deferral elections are less than the automatic enrollment amount iii. Other:

Thanks Lando, I guess this provision would only apply to new participants, since they would be the only ones that have signed the new form agreeing to this feature. If the plan sponsor wanted to apply this to all their participants, they would need an auto enrollment event? The IRS is becoming less helpful every day.

Hi Lando, I'm interested in this approach, but I haven't been able to find any advice that definitively allows plan sponsors to do this. The closest I can find is an auto sweep, where the plan sponsor can auto enroll any participant that is contributing less than the default automatic enrollment date. It seems like most participants who are under contributing would be more receptive to slowly increasing their contribution rate, rather than just boosting it up to a set rate. Were you able to find out any more on this subject? Thanks