Message Boards Digest

September 2, 2021

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

PS created a topic in Plan Terminations

Terminating Plan, But No Amendment for United States v. Windsor

"A terminating plan doesn't have an amendment regarding U.S. v. Windsor. Is an amendment required?"

2 replies so far   |    Click Here to Add a Reply

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

Three-Year Average Salary -- How Computed During Plan Sponsor's First Year of Operation?

"Owner-only plan. The first plan year is also the first fiscal year of the company. Hence only one year of salary at this point. If the plan's benefits are based on a salary average of the three highest consecutive years of salary, how is that salary average determined for this first year?"

6 replies so far   |    Click Here to Add a Reply

metsfan026 created a topic in Defined Benefit Plans, Including Cash Balance

Sole Proprietor Can Have Both a Solo 401(k) and a Cash Balance Plan?

"Can a sole prop (Schedule C) have a solo-k AND a cash balance plan?"

4 replies so far   |    Click Here to Add a Reply

justatester created a topic in 401(k) Plans

OK to Allow Deferrals (with Resulting SH Matching Contributions) from Paychecks Not Delivered Until a Few Days After Effective Date of Termination?

"A SH plan is terminating effective August 31, due to the plan sponsor being acquired. The final paychecks won't be paid until September 9. Can the plan continue to withhold pre-tax (and make SH matching) contributions from the 9/9 paychecks?"

5 replies so far   |    Click Here to Add a Reply

lisan1025 created a topic in Form 5500

No Assets Contributed to Trust During the First Plan Year -- Form 5500-SF Required?

"Plan has an effective date of 1/1/2020 but the employer didn't start contributing until March of 2021, for the plan year that began 1/1/2021. It won't make any contributions for 2020. I believe we need to file a Form 5500-SF for 2020, putting zeros in the financials. Correct? Also, because nobody has an account balance, for purposes of 5c on the 5500-SF I assume I put 0 (zero). Client does not want to change the effective date to 1/1/21, which has been suggested."

1 reply so far   |    Click Here to Add a Reply

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

Hurricane Ida Relief Applies to Required Contributions?

"I'm seeing that there is relief for the 5500 filing due date for those impacted by Hurricane Ida but I wanted to verify that this does not currently extend the date required contributions are due (September 15)."

1 reply so far   |    Click Here to Add a Reply

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