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We have a 403b plan that is a 12/31 plan year. Their disc. match calculation is done on a fiscal year so the compensation they use is for that is 7/1/2024 - 06/30/2025.   Do we use plan year comp or the fiscal year comp on the ACP test?  Do we need fiscal year comp for everyone for the test?  Historically (for the past 20+ years) the test has been done with full year comp.  Just not sure which is correct.  Plan definition of comp in the document is plan year and does not discuss doing match contribution on a fiscal year basis.  TYIA! 

4 out of 3 people struggle with math

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