"I know someone can have primary and secondary insurance, but we have a participant in a self-insured Plan asking if they can take out a second policy from our Plan to help diffuse some of the costs. The argument is that you are allowed to have two plans, but I can't seem to find anything that says the primary and secondary can't come from the same Plan. Does anyone have any guidance?"

"If I do an in-plan rollover of my 401k account to a designated rollover account in the same plan, is it taxable in the year I do the direct rollover since I am converting pretax money into after tax money?"

"Plan is a 401(k) Safe Harbor Plan that includes a New Comparability Profit Sharing Allocation. The Key Employees only 'participate' in Deferrals and Safe Harbor Matching. Due to the inclusion of a life policy which has premium paid by Profit Sharing Contributions, there is one Non-Key who get a Profit Sharing Allocation. Does the inclusion of this Nonelective Contribution to one Non-Key Employee (which does provide Minimum to this person) require that a Top Heavy Minimum be provided to other Non-Key Employees? I suspect the answer is 'yes' since the Plan is doing a contribution above the 'Safe Harbor Contributions', even though that contribution only goes to Non-Key Employees."