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  1. Earl
    403b Plan with immediate eligibility excludes certain classes of employees. 1. Plan fails Ratio Percentage for coverage. Plan document does not specify how to correct coverage failure. Adding one person would pass Ratio Percentage. Can I add 1 person? Do I have to add 1 class? If I can add 1 person, do I have free range who to pick? Should I use "most hours"? Can I use "lowest compensation"? Any thoughts on this? 2. Plan does not specify how to pass coverage, not in Document, not in AAgreement. Can I use either Ratio Percentage or Average Benefits Test? Thank you!
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