Message Boards Digest

November 16, 2018

Here are the most recently added topics on the BenefitsLink Message Boards:

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Santo Gold created a topic in 401(k) Plans

OK to Give 403(b) Participants the Choice of Contribution or Cash?

403(b) Plan sponsor wants to start offering a discretionary match in 2019. The formula they are considering is dollar-for-dollar match up to $250, determined each quarter. Participant's could received a maximum match of $1,000 for the year. They want to throw in a twist: They participants can take the match either as a contribution to the plan or have it paid to them as cash each quarter. Is that acceptable? I think we could try to do something like this if it was pertaining to a PS contribution and we have each participant as a separate rate group. But for a match, can that option be available?
Number of replies posted  2 replies      Number of times viewed  51 views      Add Reply

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MGOAdmin created a topic in 401(k) Plans

401(k) Participation Means IRA Contribution No Longer Deductible?

I have a client that set up a retirement plan in October 2018. One of the employees makes $400,000 and had already contributed to his deductible IRA in early 2018. Since the employee is eligible for the plan, does this make his IRA contributions made in 2018 retroactively non-deductible?
Number of replies posted  3 replies      Number of times viewed  50 views      Add Reply
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JWRB created a topic in Litigation and Claims

DOL Auditor Wants Emails But How to Export to PDFs?

Per our subpoena, we need to produce a large amount of emails to an auditor; over a few hundred, easily. How have you guys produced emails in the past? I can pretty easily get the totality of messages in an mbox format, or .EML, but I'm concerned we're going to need to produce as PDFs, which is going to take an absurd amount of time since batch export to PDF, frankly, doesn't work well. I appreciate any input you all may have, as I'm getting pretty concerned. Our email is housed with gmail, but I can import to Thunderbird pretty easily and export that way, as well. Thunderbird doesn't export attachments with PDF, however.
Number of replies posted  6 replies      Number of times viewed  65 views      Add Reply
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Santo Gold created a topic in Retirement Plans in General

Rolling 3-Year Vesting Requirement OK for a Church Plan?

In a typical qualified plan, an employer could not have a 3 year vesting period apply to each year's contribution, which could have an employer with 20 YOS who would not be vested in that year's contribution until she had 23 YOS. But if this were a church plan or other non-qualified plan, that type of vesting is acceptable, correct?
Number of replies posted  9 replies      Number of times viewed  73 views      Add Reply, Inc.
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