Defining Classes

[Dazednconfused]

Medical office with about 25 ee's and 6 doc's, wants x-tested plan, however, a few doctors do not want to fund anything but the min and of course a few doctors want to fund the max. How / what would be the best option of classes for the doctors? The ee's are going to be in two classes - staff and management.

Thanks in advance.

[J Simmons]

Medical office with about 25 ee's and 6 doc's, wants x-tested plan, however, a few doctors do not want to fund anything but the min and of course a few doctors want to fund the max. How / what would be the best option of classes for the doctors? The ee's are going to be in two classes - staff and management.

Thanks in advance.

Classify each doctor who is an HCE individually, in his or her own group. But you can't honor individual decisions between more compensation/earnings and more benefit accruals--these have to be company decisions. Otherwise you would have a disguised and most likely nonqualified CODA.

[Dazednconfused]

Thanks! That's somewhat what I thought but then I would like to try and id two - three doc groups to avoid the doctors thinking that they could 'individually' choose there funding rates... Could I use Doctor group A, B? Doesn't seem likely.

Thanks,

[Mike Preston]

Certainly you can.

[Dazednconfused]

I thought the classes had to be determinable (or something to that nature), if so, Doctor Group A, seems a bit 'grey'. Just wondering, I am perfectly happy putting those groups in the document Thanks!

[Mike Preston]

Yes, by reading the document alone you will need to know which doctors are in which groups.

[AndyH]

Perhaps they could be classified by their personalities? A stands for ____

[BG5150]

We've structured plans with classes like: Employees hired in 1992 born after 1958 and before 1960.

So, maybe classifying the doctors like that would be okay, rather than by name.

However, you'd have to amend the plan every time a new doctor was hired.

[pixmax]

Couldn't each doctor be in their own class?

[BG5150]

Couldn't each doctor be in their own class?

I guess. But what happens if a Doctor leaves, or if one joins? Would you have to amend the plan each time? Or is "Each doctor in his or her own class" sufficient?