"We have a bunch of plans that allow in-service and/or partial withdrawals fall all accounts, whether or not they are fully vested. Can we amend those plans to allow in-service or partial withdrawals only for fully vested accounts? Would that be a prohibited cutback of a 'benefit, right or feature?'"

"If a plan purchases an annuity for a participant to remove them from the plan, does the plan still have to issue a 1099-R? Would it show the annuity purchase amount and that it was not taxable? I know the annuity company will issue a 1099-R for the payments the participant receives, but what about on the plan's side?"

"Participant requests a lump sum cash distribution payable to herself. It gets overnighted to her and received, but she dies before depositing it or cashing it or whatever transaction she was going to do. The participant's son wants to deposit it into the participant's checking account to make it part of the estate. The plan beneficiary (who is the late participant's mother) wants to have the whole transaction stopped and re-processed, arguing that since the check wasn't cashed yet, those are still plan assets and therefore the payment should now go to her as beneficiary. So I guess this really comes down to when are the assets considered paid out from the plan -- when the check is cut from the recordkeeper (which is what it shows when you log into the RK's website), or when the check is cashed?"

"Plan year has been April 1 - March 31 for some time, but is then amended for PYE Dec. 31. One plan year ended March 31, 2019. The next plan year will be short one, ending December 31, 2019. For PYE 3/31/2019, what's the deadline for depositing a profit sharing contribution? Does it need to take place by 12/31/2019 (i.e., the last day of the following/short plan year)? Or does the sponsor have a full 12 months (until March 31, 2020)? My question is only about the allowed timing, not about deductibility, comp, or limits on amounts."

"If you have a Savings Account and there has been established a beneficiary, then I have the possibility to change the beneficiary while this is an active account at the bank. But if the money has been escheated, how do I reclaim the money without the benificiary getting to know that I'm reclaiming the money? Can I change beneficiary while the account is in an escheated state?"

"Does anyone know if Relius Documents can prepare notices in Spanish?"

"Prototype document's service requirement for elective deferrals/profit sharing is the completion of 1 year of eligibility service. Hours of service necessary for a year of eligibility service = 1,000. Does this mean they must work a year with at least 1,000 hours and then they enter the plan on the next entry date, or can they enter on the next entry date once they complete 1,000 hours even if it's not yet been a full year?"

"If a profit sharing plan terminates do all participants become 100% vested (even terminated participants)?"