"Alternate payee Ms. M does not want the fund distributed to her, because it will affect her Medicaid benefits. She requested that the fund to be returned to her ex-spouse. She will send in the documents to cancel the QDRO. Is it possible to? I would like to find out what are the steps or things that need to be watched out for. Are there guidelines that we need to follow?"

[Sponsored]

Keep your professional knowledge of this ever-changing retirement plan industry updated! Join John Griffin, J.D., LL.M., for his annual discussion of the most significant developments in the retirement plan industry over the past year. Register Now!

"I have a cross-tested profit sharing plan whereby the company is owned by 3 siblings who inherited the stock after their father became deceased. 2 of the owners earn W-2 pay but do not work for the company. The PS formula requires 1000 hours to receive a contribution. Since they do not work any hours, can they be legally disqualified from receiving a contribution? This plan does not include a 401k component and is not safe-harbor."

"Controlled Group -- Company A -- Non Safe Harbor; Company B -- Safe Harbor. Plans do not pass coverage on their own. Can't aggregate since one is Safe Harbor. Understand need to get coverage corrected before moving the ADP/ACP Testing. When the ADP/ACP Test is done, doesn't company B need to be included in the ADP/ACP Test? The ACP test would be the match they received under the SH while the match for Company A is their discretionary match. Somewhere I recall the Safe Harbor status is 'lost' when the plans are combined for testing purposes."