4-Tier Integrated PS Calc

Does anyone have 4-Tier Integrated PS Calc in Excel that walks one through the steps to calc per tier?  I am super rusty and want to make sure I do it correctly.

I don't have a spreadsheet for it, but I do know the typical 4-step process is:

a)  everyone first gets their 3% to cover TH

b)  only then does the "excess piece" kick in, where folks next get up to 3% of their excess pay.  If the contribution is just barely over a flat 3%, then you get a somewhat odd-looking case of people maybe getting 3% of pay plus only 0.6% of their excess pay.  But often the whole 3% on excess pay (above the integration level) ends up filling up, too.

c)  Then with everyone at 3+3, you scale everyone up to as high as 4.3, 5.4, or 5.7% of combined "compensation plus excess compensation", depending on your integration level.  Here's where, if the contribution amount runs out, you might end up the folks all getting 5.2% of compensation plus 5.2% of excess compensation (it's the same rate in both parts there, unlike in (b) above

d)  Once everyone's maxed out their excess piece there, the rest is pro rata, comp to comp.

Sent one by private message as I wrote one many moons ago.

https://benefitslink.com/m/integ.cgi -- might be fun for you.

Thanks, Jakyasar.

Dave, that was fun.  Here is a question:  When a plan has 100% TWB integration elected in their aa, can they do less than 100% in a given year?

   https://benefitslink.com/boards/index.php?/topic/69352-4-tier-integrated-ps-must-use-100-twb/#comment-323469

Was there something about the prior discussion that was unclear?  Why would there even be a question about the TWB if you didn't have to follow the answer?

Puffinator ~~ Here's another calculator in Excel. The spread is determined automatically. The separate tier calculations are shown starting in columns CE. Integration in a SEP is a little bit different since there is a 25% allocation limit. Set for a corporate profit-sharing plan (but plan type can be changed).

Hope this helps.

~~Gary

4-STEP INTEGRATION - COR-SAR-2022.xls