Santo Gold Posted November 6, 2017 Posted November 6, 2017 My title kind of asks my question: If we have a cross-tested safe harbor plan (3% SH). We want the owner to receive 15% of pay total ER contribution (3% SH + 12% PS) and everyone else to receive 5% (3% SH + 2% PS). Does the PS portion of the contribution have to be 100% vested? Thanks
Belgarath Posted November 6, 2017 Posted November 6, 2017 No, the 2% PS piece does not have to be 100% vested.
Tom Poje Posted November 7, 2017 Posted November 7, 2017 by the way, if that 2% had to be a QNEC as well, you wouldn't be able to impute disparity on any of the NHCE contribution when testing!
Santo Gold Posted November 8, 2017 Author Posted November 8, 2017 Thank you both. I wasn't aware of the QNEC point that Tom brought up.
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