SCSFAM03

Thanks Tom, that's what I thought.

I have a plan who 2018 is the first top Heavy Year. The docs say to allocated TH Minimum to All. However, the only 2 NHCE EE"s termed during the year so are not eligible for a Top Heavy. However if I allocate the TH to just the 3 HCE then I fail coverage, and have to bring in those 2 NHCE. Also the Plan is terminated 12/31/2018. Thoughts?

VCP and significant or Un-significant? Is this a 100% make up contribution?

I have a ppt that is at 19 refi's . still under the 5 years, Still not at the 50,000 or 1/2 vested value yet. I am just trying to make sure I am not missing anything. Thanks!

Is there a limit (with the exception of the 50,000 and or 1/2 the vested value) that should be followed regarding the number of times a participant can refinance a loan?