SE with SH Match and Discretionary PS

I have a sole proprietor, income reported on Schedule C, with 2 employees.  Contributions are basic safe harbor match and discretionary PS.  Owner puts in max deferral and wants to reach his 415 limit. I know he has enough compensation to contribute the max, but it's the determination of plan compensation and breakdown between match and PS that I can't figure. I have looked at a couple of the posted EI spreadsheets and they all seem to call for input of a set percentage for ER contribution.  I don't have that, instead I need to hit 415 limit.  Is this something I can run in Relius or where can I find a spreadsheet that can do this?

Is the contribution amount to the employees known? The Employee Pension Cost? 

If that is known, then it works out the same as any other SE tax calculation, but initially I would ignore the split between the PS and the Match. 

Are you able to calculation the owners compensation with the max contribution? Once that is known let's say it is $200,000 and the contribution to reach 415 is $36,000. 

Well, then you know 36/200 = 18% ER contribution to divide between PS and Match. 

If the owner is eligible for SH Match ( does it go to NHCE only?) then 4%(or whatever your SH formula is) of 200,000 = $8,000

If $8,000 is SH Match, then the rest $28,000 ($36,000 - $8,000) has to be PS. 

If the EE pension cost is NOT known and it is fluctuating because of testing, well, then that is more involved calculation. Unless the owners compensation is really high and they are going to be above the compensation limit anyhow, in which case, the math gets simpler. $270,000 plan comp, $36,000 total er contribs, 4% of 270,000 = $10,800. $36,000 - 10,800 = $25,200. 

Hope that helps. 

On 8/17/2018 at 3:36 PM, Susan S. said:

I have a sole proprietor, income reported on Schedule C, with 2 employees.  Contributions are basic safe harbor match and discretionary PS.  Owner puts in max deferral and wants to reach his 415 limit. I know he has enough compensation to contribute the max, but it's the determination of plan compensation and breakdown between match and PS that I can't figure. I have looked at a couple of the posted EI spreadsheets and they all seem to call for input of a set percentage for ER contribution.  I don't have that, instead I need to hit 415 limit.  Is this something I can run in Relius or where can I find a spreadsheet that can do this?

FWIW, I KNOW that RELIUS handles the calc; sounds like you just need some assistance in getting it into the system.  I'd offer but I haven't run the software in 20 years (I'm not even  licensed to get into it any more - that's why I have employees! :-) ).  Call support if you need help.

We moved away from Relius years ago, but at the time there was a function called "Keogh salary solve" that would do it.