"Can you help me identify the statute and/or reg that describes the Plan Administrator's responsibility to annually advise recipients of periodic distributions (typically, monthly) of their tax-withholding election?"

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"I have a plan that has 2 participants an owner and employee. The employee was on long term disability for the prior plan year and subsequently fired for refusing to come back to work. He received a w-2 for the month he was still 'employed' reflecting his long term disability payment. The software is including him in the profit sharing allocation. Are LTD payments included in 415 compensation? the plans compensation is defined as 415 excluding post severence payments."

"Real estate agent Joe operates as a corporation, only owner, only employee. Checked the website and Joe has a team, Mary, sales associates and Jane, marketing manager. I am told that Mary and Jane are both paid as 1099 employees. The burden of proof for independent contractor is not me, the TPA Joe wants to set up DB and 401k plans. So, what is wrong with this picture?"

"I am looking for a vendor that can do a mental health parity audit for a self-insured health plan with about 700 employees. Any recommendations and/or good and bad experiences with the vendors are appreciated. I’d also be interested in your experiences with respect to services provided, cost, and timeline."

"Assuming the SH notice is a 'maybe not' notice, then such an amendment has the effect of reducing the safe harbor 3% (in this case) contribution. This is permissible under the requirements outlined in 1.401(k)-3(g)(ii), and will take the plan out of safe harbor status for 2024, requiring ADP test for whole year, etc., etc. -- all requirements as outlined in the regulation. Anyone disagree with this outcome?"