cross-testing available in a prototype?

[chris]

At one time cross-testing was not available in a prototype document. Is that still the case? Employer has a prototype safe harbor 401(k) PSP with a cal yr end currently in place and e/er is considering amending for cross-testing. The prototype doc is standardized such that terminated participants with > 500 hours are due an allocation under the current allocation formula. Also, part's terminating b/c of death, retirement and disability are entitled to an allocation regardless of hours of service. With that said, would the easiest thing to do be to amend and restate effective 1/1/03 the plan using a volume submitter document allowing for cross-testing. I am assuming there have been terminees with > 500 hours.... If not, then there shouldn't be a problem with amending and restating using a vol submitter doc effective 1/1/02. Any suggestions?? Thanks.

[AndyH]

There are no prototype cross tested plans, although pseudo-prototypes are often used and submitted as volume submitters or individually designed.