Document issues-gateway rules-how to handle?

[AndyH]

I'd appreciate any information on what, if anything, other firm's cross tested plan documents will say about the gateway rules.

I'd be interested in any insight into how Corbel's volume plan will deal with this, plus anybody else who sponsor's volume submitter plans.

My company intends to have two versions, one discretionary ala Corbel's volume, plus another with defined allocation factors. But in each case we're trying to figure out whether there should be any 3/1 or 5% language in there as a backstop.

Another issue is what to do if a plan doesn't use 415 comp for allocations. Either they change to 415 pay (my preference but not that of some clients), or have some rules in the plan document requiring either a minimum of 5% of 415 pay or a maximum disparity of 3/1.

Any comments or thoughts would be welcome.