"Controlled group. 3 companies: A, B and C. Company A does not pass coverage on its own, Companies B and C do. I can test A and B together, because together they pass coverage excluding C. C passes excluding A and B. Can A and B have different Safe Harbor formulas? For example, one a 3% and the other a SH Match? If not, could I have A with SH match plus a discretionary match (that satisfies ACP Safe Harbor) and B with just the SH match?"

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"We have a client that wants to have us work without their Social Security numbers. I know Relius has an Employee ID feature where DERs can be done just with employee numbers. Has anyone ever taken this approach? How did it go? I assume the whole point is to allow us to do the work without Social Security numbers. I assume the Social Security number field can be blank? I realize there will be some inefficiences, but I think I can work around those. Obviously it's not a 10 person plan so it's worth a little extra effort!"

"I have long term disability through my company as well as Social Security Disability. My daughter qualified through me as a Family Supplemental Benefit until she turned 18. We managed to get it extended until she graduated from high school. My company plan subtracted my Social Security and hers from their benefit that was payable to me as an offset. Nowhere in the policy does it address what to do when the family benefit goes away. I notified the disability company when the family benefit ended. Several months later, I noticed on my monthly EOB that they 'quietly' reduced my total benefit by the amount that was paid to my daughter yet they did not increase my payout. So it is a numbers game at this point. I have found on the internet the same situation and the lawyer advised that person that they were entitled to have that part of their benefit reinstated. I sent a certified letter to the company recently asking for either an explanation or the back benefit and for it to be reinstated. It's been ignored. [1] Am I entitled to that benefit and the back wages? [2] What should I do now if I am? Hire a lawyer? This is a big name insurance company and I worked for a large company. [3] Should I contact others that I feel sure have been done the same way to initiate a class action suit for them also?"

"Can a non-spousal beneficiary withdraw more than the required amount? Plan does not allow for partial distributions after termination. The RMD is about $500 and she wants to take $5,000. If she can, would the whole distribution be taxed at 10% or just the RMD amount?"

"My divorce was finalized in 2004; it included a QDRO. I retired in 2018. After several of the payments I received a letter from the Plan Administrator advising me that the calculations were incorrect ($60,000) and they will be deducting a couple hundred dollars out of my monthly payments. Now I am stuck! How can this error happen and I suffer the consequences 14 years later."

"I'm trying to talk a client (a big client) out of having coupon loans. They don't want to take on the responsibility of taking money out of people's paychecks. I'm trying to go the 'you need to be reasonably sure these loans will actually get paid off, and coupon loans makes this job very difficult' route. Any other thoughts?"

"My recordkeeper is telling me Relius doesn't do coupon loans. Does the program have the ability to generate a book?"