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GUST and 403(b) Plans Subject to ERISA


Guest lbach

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Posted

Are 403(B) Plans Subject to ERISA (we are a non-profit) subject to the February 28th deadline to amend for GUST???? I am very confused. I have read Revenue Procedure 2000-27, and it doesn't seem to address it. Thanks!

Posted

My understanding from informal conversations with the relevant IRS people is that the reason they have not set a deadline for amending 403(B) plans is that 403(B), unlike 401(a), does not require a written plan document. Thus, they do not believe that they have the authority to require an amendment to a plan document by any particular time, but can only require that the plan be operated in accordance with 403(B). In the case of a 403(B) plan subject to ERISA, the Department of Labor requires a written plan document. However, this has traditionally been interpreted in a fairly loose manner--i.e., that no amendments are required until the summary plan description is due.

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Posted

Thank you for all of your help! This is such a murky area.

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