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After tax contributions in a top heavy profit sharing plan


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Guest terid
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I have a top-heavy profit sharing plan that only allows after-tax contributions and a discretionary profit sharing contribution. Both NCHE & HCE's contribute the after tax contributions. The profit sharing formula is integrated w/ SS

I know you have to complete testing for ACP, but how do you figure out what the top-heavy contribution is to be? Do you take the lowest HCE's after tax% or give them the flat 3%?:confused:

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