rlbillings

My control group is two employers and they would like to run them with separate plans. I understand that if they don't pass coverage, I have to test do the ADP/ACP test. They both have different types of plans: 1. Safe Harbor with basic match and 1/anniversary 2. Discretionary match - with 1000 hours requirement 7/1 anniversary How would I test the ADP/ACP test with them having different anniversaries? Would I follow with the 7/1 plan since they are not Safe Harbor and if they fail, then refunds would be necessary even to the HCE the participant belonged to the Safe Harbor plan?

I'm still looking to see if this has been approved for Hurricane Florence to relax the Hardship Withdrawal requirements. I have not seen anything yet after the ARA requested this relief.