Document Amendments - Need this dumbed down

[AllThingsForGood]

If I am putting a client into a brand new DC prototype Plan Document, what Amendments/Addendums should be in their Document package??

I'm getting myself confused, maybe I'm just tired, ha ha. I'm BRAND NEW to FTWilliam; leaving another software that I've used for almost 3 decades!

When I print the Adoption Agreement in the FTWilliam system, the following are part of that:

• the SECURE 2.0 Addendum 2026,
• the SECURE 2.0 Addendum 2025, and
• the SECURE/CARES/CAA Addendum.

It seems VERY redundant to send a client each of these 3 Addendums, but is that accurate? Or does just the '2026' version go with a Document package? Again, my brain may just be revolting against the transition tasks, and I have researched this but cannot find a clear (dumbed down!) answer.

Thanks guys.

[AllThingsForGood]

I've actually determined my answer, I think, but I'm leaving this post up in hopes that it's useful to someone else.

ALL 3 of those addendums I listed are part of a new Document package in FT Williams' system. They are not redundant.

[John Feldt ERPA CPC QPA]

That’s correct.  In a few months or so, when their cycle 4 document is ready, that will very likely change. 

[Peter Gulia]

For an existing plan already established:

If a plan’s sponsor seeks to document whatever tax law calls a plan sponsor to document by December 31, 2026, does one sign a package as presented now (because one doesn’t expect a cycle 4 document to be available for use this December)?

[ERISA_Guy]

4 hours ago, John Feldt ERPA CPC QPA said:

That’s correct.  In a few months or so, when their cycle 4 document is ready, that will very likely change. 

I don't think it will change much.  SECURE language wasn't included in C4.  So like the Hardship IA in C3 times, we'll have SECURE IAs attached to C4.

[ERISA_Guy]

2 hours ago, Peter Gulia said:

For an existing plan already established:

If a plan’s sponsor seeks to document whatever tax law calls a plan sponsor to document by December 31, 2026, does one sign a package as presented now (because one doesn’t expect a cycle 4 document to be available for use this December)?

I think yes, that's what must be done for the 12/31/26 deadline.  Worse, the client will sign the IA by 12/31, and then sign it again on the C4 doc (just like what happened with the Hardship IA...)