First time poster, so please bear with me.......
This is a calendar year plan. The plan is a hard coded safe harbor.
I have a participant that was termed in 2012 and recieved pay 90 days after termination which went into 2013. What confuses me is the employer also withheld 401(k) from this excess monies.
My question is: Is she entitled to Safe harbor for 2013? And or included in testing. Can i disregard her all together?
Please advise.