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Employee executed a salary reduction agreement requesting X% be withheld but throughout the plan year (calendar year just ended) a lessor percentage was actually withheld. The employee (HCEE nonetheless) didn't realize the error. Should the correction method under 2006-27 be followed with respect to making up the "missed opportunity" similar to not including an eligible employee? Or should the entire difference be made up by the employer? Or no correction?

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