QACA - who gets their deferral rate increased?

[Guest Achilles]

I'm sure this has been asked, and I did search in the forum, so I apologize if it's been addressed already - I have a QACA plan where their first scheduled deferral rate increase to 4 percent is on 1/1/2012.

Which eligible participants get increased to the 4 percent minimum and who should not be touched?

1) Those who did not make an affirmative election and are at the default of 3 percent today?

2) Those addressed in #1, plus those that did make an affirmative election, but at a rate of 3 percent or lower, including those that chose to not participate?

Also, when there is a scheduled increase, are participants to receive any special type of notice outside of the normal annual QACA notice?

Thank you in advance.

[K2retire]

The plan document should have the answers to all of those questions about who to increase. The annual notice covers the increases.