Message Boards Digest

September 1, 2022

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

metsfan026 created a topic in 401(k) Plans

Family Attribution Rules - Grandkids

"We have a potential new client where: Grandma owns 47% Mom owns 47% Third party owns the remaining 16% If they were to hire one of the grandkids, technically they wouldn't be considered an HCE based on attribution correct? My understanding was that ownership transfer from grandkid to grandparent, but not the other way. And since mom only owns 47% there isn't an issue. I just wanted to confirm I was correct. Thanks!"

5 replies so far   |    Click Here to Add a Reply

Brian Murphy created a topic in Form 5500

Looking to Terminate Plan But Cannot Find Record of Any 5500 Filings

"Have a sole proprietor with a profit sharing plan, would like to terminate and roll funds to an IRA. In looking through paperwork it appears there may have been 2 Plan ID's used.....checked both and do not see record of any 5500 filings. Plan was established in 2005 and, until recently, had more than $250K in assets each year. Only activity are yearly RMD's. Looking for advice on how to proceed."

11 replies so far   |    Click Here to Add a Reply

Christine Roberts created a topic in 457 Plans

Non-Governmental 457(b) SECURE Amendment - RMDs

"Has anyone seen language from FIS Relius? (Yes, I posted on that board as well.) Or any other source? I believe FTWilliam has a SECURE Amendment for its NQ plans but have not seen it; am also wondering if there is other amendment language available out there. The amendment is due to be adopted by year end."
2 replies so far   |    Click Here to Add a Reply

Peter Gulia created a topic in Operating a TPA or Consulting Firm

Which Acts Require a 'Manual' (Rather Than Electronic) Signature?

"A BenefitsLink discussion yesterday remarked on a service provider's request for a nonelectronic signature, despite an IRS procedure that permits an electronic signature. There is no one comprehensive rule that answers questions about the acts or circumstances that require a manual, rather than an electronic, signature. For some of us, it's not easy to recall which acts (of those that call for a plan sponsor's or plan administrator's signature) permit an electronic, or require a 'manual', signature. So, let's crowdsource our list. The focus is on what the three U.S. government agencies -- the Treasury department's [IRS], the Labor department's Employee Benefits Security Administration (EBSA), and the [PBGC] -- say is permitted or required."

4 replies so far   |    Click Here to Add a Reply

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