"The company I work for purchased a different business and I started working for this new business but all benefits and 401k plans continued to be through the main parent company. In January of 2019 during the transition they used incorrect information (address and social #) when sending my 401k contributions to the company that manages it so it looks like they created a new account and all of my money and employer matches have been going to this other account. This week I checked my account (my main account that I've had for years and thought my money was going into) and noticed my allocations were all set at zero even though my payroll account showed a percentage being taken off every pay period. After looking into it I discovered this other account and informed my employer and they said they contacted the company and the 2 accounts would be combined. My question is, is this the correct way to handle this? Technically my contributions have not been going into my account for over a year. I don't believe my employer has my best interest in mind and I don't have any experience with this, so any help or guidance would be appreciated."

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"I'm looking for confirmation on whether COVID-19 falls within the new disaster category of Safe Harbor hardships under the hardship final regs. While this pandemic is listed on the FEMA website for each state, it was declared an 'emergency' rather than a 'disaster.' In researching, it appears the Robert T. Stafford Disaster Relief and Emergency Assistance Act classifies both an emergency and a major disaster as types of disasters, so it appears to be eligible for hardship distribution (if allowed under the plan terms). However, I found conflicting information on a law firm's website that states it's an emergency but not classified as a disaster for safe harbor hardship purposes. Thoughts?"

"What are the consequences of a plan sponsor failing to get the 403(b) plan restated by March 31?"

"So lots of partial plan terminations imminent or in progress,. We all agree that in this scenario, assuming it is a calendar year plan, anyone who terminates at any time in 2020 (and for any reason) must become 100% vested. Is that correct? Seems like now would be a good time for someone to challenge the IRS to repeal that dumb interpretation. Even if they solve the problem it will be too late."

"I assume with all the lay offs and business downsizing, clients will want to know if they can stop making their Discretionary Matches. I seem to remember there can be issues changing the discretionary match mid-year. Correct?"

"I am curious how others are assisting their clients during these difficult times. Are you providing them with advice related to Partial Plan Terminations or other topics?"