Collectively Bargained Employees in Non-Union Prototype Plan

[Guest andmik]

Hello,

We have a union plan and non-union plan currently on separate prototype documents. Consideration is being given to merge them together, but seem to be having one issue that does not seem to fit on the prototype.

The CBU calls for a fixed match formula, while the non-union plan also has a fixed formula but the match formula for the non-union is different than the union.

I do not see a way within the prototype we are looking at to provide for the two different match formula (union vs. non-union).

Even if the single plan is established with a discretionary matching formula, the prototype does not appear to provide for the ability for diffferent match formulas for different groups within the plan.

I guess my question ultimately is whether this a specific prototype design restriction, or is it a general prototype restriction whereby no prototype can provide for the different match for a union/non-union group within the same plan using a prototype?

Thank you in advance for any insight/confirmation you might be able to offer.

Andmik

[rcline46]

No prototype will provide for such. Normally you would put the union into a different plan for many reasons. If you insist on one plan, you can modify a volume submitter plan, and decide if the change is enough to make it individually designed. In any case, the VS document should be submitted to the IRS for a letter. Have fun with that since you are in the cycles and must submit a draft document incorporating all the things on the list published by the IRS.

[Guest andmik]

No prototype will provide for such. Normally you would put the union into a different plan for many reasons. If you insist on one plan, you can modify a volume submitter plan, and decide if the change is enough to make it individually designed. In any case, the VS document should be submitted to the IRS for a letter. Have fun with that since you are in the cycles and must submit a draft document incorporating all the things on the list published by the IRS.

rcline46,

Thanks for your insight. That is exactly what we were seeing with at least the prototype that we are dealing with and you have solidified the idea that it cannot be done on any prototype as they are structured today anyway. Appreciate your response.