Message Boards Digest

July 8, 2020

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

Belgarath created a topic in 401(k) Plans

Counting FMLA Pay for Purposes of Qualified Plan's Definition of Compensation

"Re the definition of compensation for qualified plan purposes (for a plan that uses W-2 comp) -- As I understand it, absent a specific exclusion in the plan, FMLA wages, even if under a 'special' category for employer SS payroll taxes or whatever, would still be considered as wages for purposes of calculating employer match, whatever. Did anything override this that I missed?"

3 replies   |    46 views   |    Add Reply

austin3515 created a topic in 403(b) Plans, Accounts or Annuities

Attaining Non-ERISA 403(b) Status -- Independent Party (Not Employer) Must Handle Basically Everything?

"Seems to me that many non-ERISA plans require employer sign-offs for things like distributions and loans. I read some articles that seem to suggest that the only way to have a non-ERISA plan is for an independent party to sign off on everything. Is that how it works in the real world (I only work with ERISA plans so forgive my ingorance on this aspect)?"

11 replies   |    135 views   |    Add Reply

HKSUN created a topic in Defined Benefit Plans, Including Cash Balance

Individual Has Both Schedule C and Form W-2 Income (Two Different Businesses)

"A client has received both Schedule C income and W-2 income, both of which came from his own businesses (sole proprietorship and an S corp). How can we run the DB calculation in this case? Should I use earned income + W-2 as the compensation basis? What about deductions? How can we break down the contribution among sole proprietorship and S corp?"

3 replies   |    39 views   |    Add Reply

Jared created a topic in Employee Stock Ownership Plans (ESOPs)

Compounded Interest in My ESOP Account?

"Hello, this might be a dumb question but I am curious as to know if the funds that are allocated in an employee’s ESOP account compound as the ESOP matures the same way that money sitting in a 401k for many years has compounded interest? I have worked at this company that is employee owned for 15 years and I plan to retire there in another 25 years or so.

If I may, I only have only one more question. Do most people diversify when they are 55 and over and have been working at the ESOP-sponsoring company for over 10 years? I mean, if the company has done so well for all of the years that they have been there, would it be foolish not to diversify? I would hate to miss out on a much larger return by diversifying but I also realize that any company can go bankrupt and lose everything. Just wondering if there are people that ride the ESOP 100% until retirement."

4 replies   |    48 views   |    Add Reply

Here are the most recently posted jobs on, a service of BenefitsLink:

View job as Defined Benefit Plan Administrator

Defined Benefit Plan Administrator  View details

Indianapolis IN

View job as Defined Benefit Plan Administrator

Defined Benefit Plan Administrator  View details

San Diego CA

View job as Retirement Education Specialist

Retirement Education Specialist  View details

CUNA Mutual Group
Telecommute / MI

►View More Jobs

►Post a Job

►Get Instant Job Alerts, Inc.
1298 Minnesota Avenue, Suite H
Winter Park, Florida 32789
(407) 644-4146

Lois Baker, J.D., President
David Rhett Baker, J.D., Editor and Publisher
Holly Horton, Business Manager

Copyright 2020, Inc. All materials contained in this mailing are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published or broadcast without the prior written permission of, Inc., or in the case of third party materials, the owner of those materials. You may not alter or remove any trademark, copyright or other notices from copies of the content.

Links to web sites other than and are offered as a service to our readers; we were not involved in their production and are not responsible for their content.

Unsubscribe | Privacy Policy