Message Boards Digest

December 10, 2020

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

mjf06241972 created a topic in Retirement Plans in General

Make-Up of Missed Matching Contributions

"A client provided bad compensation data on the plan for 2019 and we are realizing adjustments need to be made. They also switched carriers and are in blackout until 2021. Can they still make the adjustment matching contributions? Document is set up for annual matching contributions and now need adjustments (additional matching contributions) that most likely will not happen until 2021."

1 reply   |    32 views   |    Add Reply

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BG5150 created a topic in Operating a TPA or Consulting Firm

Responding to a Soon-to-Be-Former Client's Request for Plan Documents

"How do you react/respond to a client's request for their current plan docs (AA, BPD, SPD, etc)? I find that, in way too many cases, soon after I supply the requested material, I get a letter saying the client thanks us for our service, but they have decided to move to a new TPA. Why should I facilitate that? I know that's not the case will everyone who requests them, but I also want to shout into the phone: YOU SHOULD HAVE ALL THIS. IN FACT YOU MUST. How do you admonish the client for not having these documents without sounding like a jerk?"

3 replies   |    41 views   |    Add Reply

Becky Schwing created a topic in Cross-Tested Plans

Nondiscrimination Test as Applied to Persons Excluded by Job Class

"Cross tested profit sharing plan with everyone in their own group. Plan excludes a group of employees by job classification -- some who would otherwise be eligible other than the job class exclusion. When doing coverage testing -- plan passes Ratio Percentage test with these excluded employees included in the counts as not benefitting. When doing non-discrimination testing on the profit sharing allocation (HCEs getting a 20% contribution and NHCEs getting 5% -- has no last day or 1000 hour), do I have to include the excluded employees in the calculations at a 0% benefit rate?"

1 reply   |    31 views   |    Add Reply

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