"Client has a plan with a standard safe harbor match. Participant went on the system and changed her deferral percentage. She also increased her catch-up amount by $10. The recordkeeping system does not recognize both a deferral percentage and a catch-up so only the catch-up portion was picked up by payroll. Hence, since July 2021, only the catch-up amount has been taken out of her check. She just noticed this a year and a half later. Since this is a safe harbor plan, what would the missed deferral calc be based on? In other words, would it be based on the 8% that she wanted or just on the maximum match of 4%?"

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"Does anyone know if participants that become eligible because of the LTPT rules will ALSO need to be follow the EACA rules?"

"I'm new to testing and using Datair. I have a 401k plan Safe Harbor Match, with cross tested PS, one year and age 21, 1,000 hours and dual entry but the employer only ever does PS (against our plan design maximization). I have small veterinary practice with one owner, 6 part time that don't meet service requirements, one ineligible due to age, and one terminated with 1051 hours. Plan is top heavy. My software is telling me I have failed every test but I think it is wrong. ADP/ACP - no deferrals, 410b should pass because no NHCE's are eligible, and last day of the plan year provision should allow for a full contribution for owner"

"I set up 2 plans in early December 2022 that became effective 1-1-23. Are these plans subject to the new auto enroll rules? They were signed and 'established' prior to 12-29-22, but not effective until 1-1-23."