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gateway test when def/SH & PS have diff elig requirements


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deferral and SH have 1 YOS requirement, and PSC has 2 YOS. a participant is eligible for deferral/SHNEC but ineligible for PSC. should he be included in gateway test and get gateway minimum as he is benefiting SHNEC (an ER contrib)? thanks!

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1 hour ago, C. B. Zeller said:

Yes. Safe harbor non-elective is considered to be the same as profit sharing for 410(b) and 401(a)(4) purposes.

 

37 minutes ago, Bri said:

(and hopefully the plan's document "guarantees gateway" as needed for those with only the SH allocation prescribed)

Thank you both!

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