In-Kind Xfers JUST for SDBA

[austin3515]

401k plan permits SDBA for ALL employee, but most people (including all NHCE's) leave their money in the regular mutual fund only platform. The recordkeeper will allow in-kind transfers on the SDBA's but of course not on the regular platform.

I am assuming that even though only owners/HCE's have their money in SDBA's that it would not be discriminatory to amend the plan to provide that "in-kind transfers of securities is permitted for the Self Directed Brokerage Accounts.

[ETA Consulting LLC]

I don't see where that would be a problem; especially that every has right to an SDBA. I'm thinking the difference in the in-kind xfer ability is due to functional limitations on the platform that do not exist in the SDBA.

Good Luck!