Flyboyjohn Posted January 9, 2014 Posted January 9, 2014 Think I'm right that if a class of employees is excluded from a plan (assume no 401b problem) they don't get top-heavy minimums or 3% non-elective safe harbor. But what if an employee make an old fashioned irrevocable waiver of participation, same result? Thanks
BG5150 Posted January 9, 2014 Posted January 9, 2014 No minimum, but is counted as not benefiting for testing. QKA, QPA, CPC, ERPATwo wrongs don't make a right, but three rights make a left.
BG5150 Posted January 9, 2014 Posted January 9, 2014 I'd say no. B/c you only get gateway if you are benefiting for the year. No allocation, no need for gateway. QKA, QPA, CPC, ERPATwo wrongs don't make a right, but three rights make a left.
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