Message Boards Digest

March 4, 2019

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

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Chetu created a topic in Miscellaneous Kinds of Benefits

How Will Employers Enhance Benefits in 2019?

I've created an infographic about employer benefit trends throughout 2019 and into 2020. It includes benefits that employers are trying that you may not have even heard of. Take a look and let me know what you think.
Number of replies posted  0 replies      Number of times viewed  72 views      Add Reply

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Doghouse created a topic in Correction of Plan Defects

Replace Mistakenly Missed Elective Deferrals Even if Not Required to Do So?

One of the plans we oversee had an NHCE who changed the deferral percentage from 6% to 10% in February. Somehow this got registered as 0% and for two pay periods, nothing was deducted. This should qualify under the "brief exclusion" rules. The participant will end up getting the full match for the year because of her current 10% election and the fact that the sponsor does a true-up. Because this will qualify for "brief exclusion" treatment, the employer is not required to make up the missed deferrals. However, the question has been asked -- what if they WANT to make them up, even if not required to do so? Can they do so electively?
Number of replies posted  0 replies      Number of times viewed  42 views      Add Reply
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Logan401 created a topic in Cross-Tested Plans

Minimum Gateway Required Despite 1-Month Participation Requirement?

If a plan has the same 1 month of service eligibility requirements for profit sharing as it does for deferrals, must the NHCEs all receive a PS minimum gateway allocation in a cross tested plan if they satisfied the one month wait? Can you disaggregate otherwise excludables in this case? So, those that did not meet the statutory one year wait can actually receive $0.00 allocation? I was under the impression that this would apply only if there was a separate one year wait on the PS component.
Number of replies posted  3 replies      Number of times viewed  75 views      Add Reply
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Stella created a topic in 401(k) Plans

How to Protect a 401(k) from a Looming Recession?

Hypothetically, if we (US/world) are heading into a recession, how would you protect your 401k investments now? Move your assets to bonds? Would you continue your future allocation as you have been or would you change it to bonds or something more secure?
Number of replies posted  9 replies      Number of times viewed  83 views      Add Reply
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Rick S created a topic in Health Savings Accounts (HSAs)

Best HSA Contribution for Two People in This Domestic Situation?

Based on the work/life scenario listed below--- I was wondering what the maximum HSA contribution would be for both individuals for 2018. They both have separate HDHP's. My daughter and her fiance have a child together (1 year old) but are not married. They live and share a home (rental) together.

She is claiming the child as a dependent because her income is well below $200,000 and she will be able to file as head of household and also will receive the full child tax credit of $2,000. She had an HSA (self only) for the entire year and contributed $3,450 this year. She is 39 years old.

Her fiance makes too much income to receive the child tax credit but has the child on his health insurance because the health facility/doctor choices are a little better. He will file as single for tax purposes. He also has a HSA for 2018 and contributed $3,450 (self only). He is also 39 years old.

Are they maximizing their contributions to each HSA, and can he actually have a family HSA because the child is on his medical plan and contribute to his HSA as a family plan ($69,00)?

Number of replies posted  3 replies      Number of times viewed  51 views      Add Reply
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davisbmsc1 created a topic in Operating a TPA or Consulting Firm

Average Salary, Plan Count for Administrators?

Looking for marketplace averages for internal analysis: average salary for entry level processors; average salary for experienced administrators; average plan count for administrators; average plan size; average number of participants.
Number of replies posted  1 reply      Number of times viewed  29 views      Add Reply
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coleboy created a topic in 401(k) Plans

Leaving PEO 401(k) Safe Harbor Plan -- Replacement Plan Must Be Safe Harbor?

Client wants to leave the the PEO's 401k plan and start their own. The PEO plan is a safe harbor. Does the client's new plan have to be a safe harbor as well? Do they have to continue with the same plan provisions?
Number of replies posted  0 replies      Number of times viewed  13 views      Add Reply, Inc.
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