Eligibility Under 401(k) Safe Harbor Plan

[Below Ground]

If a Plan allows a person to defer immediately upon date of hire, can that Plan apply an age 21 and 1 Year of Service on the Safe Harbor Matching. Basically, do deferrals and the Safe Harbor Match need to use the same standard for Plan entry?

[Lou S.]

You can have split eligibility.

If the Plan is TH though you don't get the free TH pass so sometimes split eligibility isn't the best idea.

[Below Ground]

Thanks Lou. For some reason this issue always slip my mind. I can never seem to find anything on this topic. Can you say where this is stated?

[Below Ground]

Found it in some seminar materials I saved. Thanks.

[Lou S.]

I was going to say try this thread there is a long discussion on it http://benefitslink.com/boards/index.php?/topic/53940-safe-harbor-401k-different-eligibility-allowed/#.VDWz1RYcVKo

[Below Ground]

Very, very helpful. I just keep getting a mental block on this topic. Hopefully it is finally hammered home.