hardship post-6 month wait

So after deferrals stop for 6 months, who is to initiate the re-start of elective deferrals?  Seems the plan sponsor would monitor this and automatically re-start upon the expiration of the 6-month period.  Or I can see asking the participant to complete a new election.  Thoughts?

Could go either way; as long as it is properly communicated.

Good Luck!

Some employer/administrators consider it safer to provide that a participant's instruction to stop elective-deferral contributions does not include an implied or presumed resumption, and to warn the participant (in the summary plan description and in the hardship claim form) that the participant must make a new election for elective-deferral contributions.

Else, the employer/administrator might be vulnerable to some assertions that it should bear some responsibility for forgetting or neglecting to restart participant contributions.

Don't forget to check the plan documents.  The ones I draft typically provide that the participant must elect to resume the deferrals.