Guest Golden K Posted June 25, 2009 Posted June 25, 2009 I plan to amend to eliminate an excluded class which will allow me to pass coverage. It's just deferral and safe harbor match, both coverage tests fail equally. How do I handle the Safe Harbor match? For the 401(k) piece, the client will be making a QNEC equal to the average deferral percentage for the NHCE's to each NHCE that is brought in. Do I apply the same principle to the safe harbor match by taking the average match percentage for the NHCE's? Does this take me out of the free pass on the top heavy status as well as (k) and (m) testing? These things get complicated!
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