Average Benefit Test and Rate Group Test

[Coleboy1]

We use FT Williams for administration and  it's getting me so confused! Or maybe I'm just getting too old for this s$%t! 

This cross-tested plan has passed the rate group test but not the average benefit test. It also passed the ratio percentage test. Does it still have to pass the average benefits test as well? Are deferrals included in the average benefits test?

Someone have mercy on me!

[Bri]

If all your rate groups (not including deferrals) pass at 70%, then you don't need to pass the average benefits percentage test (which does include deferrals).

[CuseFan]

If all rate groups pass ratio percentage test (=>70%) then average benefits test in not needed.

If any rate group is under 70% then you need average benefits and deferrals (and match, if applicable) enter the equation.

Don't forget to look at restructuring.

[Coleboy1]

Yes, all of my rate groups pass the ratio percentage test a70%. Why does FT Williams still give me the big red dot that states my tests have failed if I don't have to pass the ABT?

[BG5150]

You should ask that question of FT William (there's no 's').  They have decent customer service.  At least they did a few years ago.

[Mr Bagwell]

FYI.... Relius reports give all the information too....

[CuseFan]

It's easier for canned software to present all pieces of an if, then, else scenario rather than deliver select results based on logic and relevance.

[Gilmore]

Gateway passes, if applicable?

[Bird]

22 hours ago, BG5150 said:

You should ask that question of FT William (there's no 's').  They have decent customer service.  At least they did a few years ago.

Agreed, and they still have...superb customer service. 

Coleboy1, there are several options; I think if you choose Cross Test Rate Group at 70% that might fix it.