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Insurance or 401(k) deferral


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Guest ebs24502
Posted

A plan offers employees $300 per month. They may use this towards benefits (insurance) or else they may use as deferrals. Is this okay?

Posted
A plan offers employees $300 per month. They may use this towards benefits (insurance) or else they may use as deferrals. Is this okay?

In order to be considered an elective deferral there must be a cash option. Based on your description it sounds like this would bot be considered an elective 401(k) contribution.

Posted

Based on your limited description, this sounds like it might be a "flex credit" plan. It could be you've missed something in the SPD (per 401-kguru's post). Take a closer look at the SPD (and the plan document if necessary).

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