Combo plan - top heavy requirement

Combo plan, top heavy and top heavy provided by DC plan.

DC plan has 3% non-elective SH

DB frozen but a class of employees are excluded. There will be no =accrual for 2025.

The document states TH is provided by DC and nothing else.

What is the TH requirement for 2025? 3%?

What does the DC plan say? Does DC plan give 5% or does it give leeway to do 3% if DB is frozen and no accruals?

pay attention to the language in BOTH plans.  Minimu required is 3.0% but this can get overruled by the "bad" Plan Doc language - I have seen it on many ocasions.

I agree with you about the language.

DC doc does not state 5% and it also states "for a non-frozen DB plan", it is not required unless 5% is indicated (FIS doc)

So, I take it, from what I read and above, for a frozen DB plan i.e. no one accrues a benefit, 3% is the top-heavy.

It also states, for all participating in the DC plan only (there are exclusions for DB plan), top heavy is 3%.