Top Heavy Plans: Something Old and Something New

ASPPA [American Society of Pension Professionals & Actuaries]

Top-heavy requirements have been around for a long time and aren't going away anytime soon, unfortunately. This webinar will provide a review of the top-heavy rules that continue to be in place as well as well as discussion of the impact of SECURE 2.0 on top-heavy plans. We will also take a look at some of the common questions that arise regarding top heavy--like a review of the safe harbor plan exemption and how top-heavy requirements apply to MEPs and PEPs.

About the Speaker

Erin Gray specializes in sharing her retirement plan expertise with other financial professionals and plan sponsors. Erin has over 20 years of experience consulting on defined contribution plans, 403(b) plans, nonqualified plans, and IRAs. Erin provides compliance services for clients, as well as training and ERISA support for the EGPS team. Erin also oversees plan documents and new business at EGPS. Erin’s depth of technical expertise covers many areas including plan design, plan documents, plan operations, and plan corrections. As an Enrolled Retirement Plan Agent (ERPA), Erin represents clients before the IRS while handling submissions under the voluntary correction program and supporting plans that are under examination.

Erin has earned the designations of Certified Pension Consultant (CPC) and Tax-exempt and Governmental Plans Consultant (TGPC) through the American Retirement Association, and currently serves as President on the board of the ASPPA Benefits Council of the Greater Twin Cities. In her free time, Erin enjoys golfing, mountain biking, skiing, and spending time with her children.

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