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Hi all

Does anyone have a good write up on how to perform 401a26 prior benefit structure testing and how to perform it especially with some examples?

Doing some research getting some conflicting information.

Basically, have a hard frozen plan in 2025 (early in 2025 so no accrual) but the plan is overfunded so subject to 401a26 - this is confirmed.

Also, terminated the same plan in mid-2026 and again need to test it for 401a26. From what I understand, I can pick the termination date of 7/31/2026 as spot check date for 401a26, correct?

This is the first time I have to deal with it.

Thank you

QKA, QKC, QPA, CBS - I used to be indecisive about pensions but now I am not so sure

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