Anyone with recent experience on the turnaround time for plan termination Determination Letter requests? I know it will vary, but am hoping to get an idea of others' experience in last few years.

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A 9/30, fiscal year-end plan switched to a calender year-end after 9/30/14. To make this change, a short plan year was created from 10/1/14 until 12/31/14. The plan benefit formula is 2% for each year of service. For the three-month plan year, is each employee credited with 2% for this additional "year of service"?

Anyone who has worked with Applicable Large Employers who have failed to properly file their Forms 1095-C, etc. with the IRS has seen letters from the IRS signed by Shan Montoya, Operation Manager. My question is simple: Does anyone know whether this person prefers to be addressed as "Mr. Montoya", "Ms. Montoya", or something else?

Prior plan is an non-ERISA 403b effective from 2009 and terminated prior to 2015. They only had employee contributions, never any employer contributions. The new ERISA 403b is effective 1/1/2015. The plan excludes vesting service prior to plan's effective date. Can the new plan exclude vesting prior to 1/1/2015 even though they had another plan during that time?