No control group.. 415 limit

[Basically]

Bob owns his own RIA 100% pushing investments. He also owns a 50% stake in an insurance business.  No control group.

The insurance business has 4 EEs.  If they setup a 3% SH 401(k) plan I don't have to worry about Bob exceeding the 415 limit if he maxes out the RIA business.  Correct  

Of course I need to watch the 402(g) limit.

[Belgarath]

I assume you also mean there is no Affiliated Services Group? If neither CG nor ASG, then I agree.

[Basically]

Based on the response from the client, there is no control group issue.   ASG.... there could be but I need to better understand how to determine if one exists.  My head is ready to explode reading about and just scratching the surface of FSO, A-org, B-org and what it all means.  Is there a grid or something somewhere that I can use to input all the players to help determine my answer?

[C. B. Zeller]

The flow charts on pages 45-46 are a great place to start: https://www.irs.gov/pub/irs-tege/epchd704.pdf

[Bill Presson]

Unless it's an obvious ASG, we refer all those situations to ERISA counsel.

[Basically]

Is this obvious?  RIA sends clients to his insurance business and visa versa?   Or is that fine.  It's all about providing a "service"...  Like a doctors office and a medical billing company.  One can't exist without the other.  

 

Thanks Zeller, I guess I didn't go as deep as page 45.  I'll take a look