Message Boards Digest

March 17, 2022

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

WCC created a topic in Form 5500

Two Small Plans Merge Mid-Year. When Do They Become a Large Plan Filer?

"A single employer maintains two calendar year plans to avoid the audit. On January 1, 2022 Plan A has 90 participants and Plan B has 90 participants and both plans are identical from a benefits standpoint. On July 1, 2022 Plan B will merge into Plan A (waiting until 1/1/2023 to merge is not an option due to other business reasons). On July 1, 2022 Plan A will have 180 participants approximately.

Is Plan A a large plan filer beginning on January 1, 2023? Or does the mid year merger have any impact on making them a large filer for 2022?

I am being told they will require an audit for 2022 and can't figure out the reasoning why and the person telling me this can't provide any support for their reasoning."

4 replies so far   |    Click Here to Add a Reply

Bri created a topic in Cross-Tested Plans

403(b) Deferrals by Doctor at Hospital Affect His Solo Practice's DB/DC Combo?

"Doctor does some 403(b) deferrals through his work at a hospital. But he also has his own practice. (No deferrals for him there.) I know that the 403(b) deferrals count against the 415(c) limit under the practice's profit sharing plan, but would they also get included in the 401(a)(4) average benefits percentage test for the practice's cash balance and 401(k)/profit sharing plans?"

No replies yet   |    Click Here to Add a Reply

Micheleciz created a topic in 401(k) Plans

Lifetime Income Illustrations for Participants with Self-Directed Accounts

"Under the SECURE Act, Lifetime Income Illustrations are required to be provided to participants in participant-directed plans. The first illustration is due on any quarterly statement up to June 30, 2022. For plans on platforms such as Voya or the American Funds, the fund company is providing this illustration. How is anyone handling the illustrations for participants who are self-directing in brokerage accounts?"

1 reply so far   |    Click Here to Add a Reply

BG5150 created a topic in Retirement Plans in General

Cost to Print and Mail Enrollment Kits Is an Acceptable Plan Expense?

"Plan has online enrollment, but from time to time they get hardcopy enrollment kits mailed out. The sponsor is billed $X for each hard copy. I that an acceptable expense that can be paid out of the forfeiture account?"

1 reply so far   |    Click Here to Add a Reply

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

View job as Client Manager DB/DC

Client Manager DB/DC  View details

CMC Pension Professionals
Remote / Glendale CA

View job as Client Relationship Manager, Retirement Plans

Client Relationship Manager, Retirement Plans  View details

Human Interest
Remote / San Francisco CA

View job as Finance Manager

Finance Manager  View details

Remote / New York NY

View job as Economist

Economist  View details

Centers for Medicare & Medicaid Services [CMS]
Remote / Woodlawn MD / Bethesda MD

View job as Distribution Processor

Distribution Processor  View details

Duncan Financial Group, LLC
Remote / Irwin PA

View job as Pension Administrator

Pension Administrator  View details

EZ Pension Services LLC
Flushing NY

View job as Senior Pension Administrator

Senior Pension Administrator  View details

EZ Pension Services LLC
Flushing NY

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