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Found 3 results

  1. cheersmate
    Having a brain freeze... 4 participant plan - 2 HCEs (father, son) and 2 NHCEs (1 young, 1 older) Plan provides 401k, 3%SHNEC and discretionary PS by rate group (ea ppt is in own) The Gateway is 5% QUESTION: I would like to restructure for (a)4 testing: 1 HCE (father) and 1NHCE (younger) based on cross-testing and 1 HCE (son) and 1 NHCE (older) based on allocation rate testing. Each will pass coverage at 100%. Provided the C/T group passes (and it does) and the the Allocation Rate based group passes (proposed same % for HCE as NHCE), the Plan passes, correct? Am I forgetting anything? Thank you.
  2. JBones
    Restructuring is prohibited in ADP testing, but if a controlled group exists and there are 2 separate plans within the controlled group, can each plan be tested separately assuming each passes 410(b), or are both required to be aggregated for ADP purposes?
  3. bcmom
    We have a 403(b) Plan that has a graded 401(a) contribution rate based on Years of Service (2% for 2 YOS, 3% for 4-5 YOS, 5% for 6-8 YOS, etc.). If the plan is disaggregated for testing purposes based on YOS, does the Gateway Test need to be passed only the disaggregated segment or do all the NHCE's need to receive the Minimum Gateway on a plan level. The minimum eligibility for the 401(a) contribution is 2 YOS and age 21, so disaggregating on the basis of OE is not the question for this situation.
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