Correction available for adoption of standardized prototype that reall

[chris]

Client adopted a Northwestern Prototype document with the assistance of a purported professional employee benefits firm in 1996. Client looking to terminate the plan now. Upon contacting Northwestern, I learn that Northwestern ceased sponsoring said prototype on July 14 of 1995. Northwetsern notified all prototype users on said date as well as provided them with an updated (as of 1995) plan doc. It appears that the actual plan document ( and adoption agreement)that the e/ee ben firm used was a doc from 1986. Thus, the doc did not contain the required rollover provisions, comp limits, and who knows what else. I know there is/are correction programs for late amenders, but would correction be possible where the doc was not qualified from the start?? I wouldn't think so, but just wanted to ask.. Thanks.

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