"I was reviewing the [DOL] Handbook and I see that a QDRO can contain more than one retirement plan. Would you recommend including two retirement plans into one QDRO -- Pension and 401k if it is the same employer?"

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"My ex and I never signed our QDRO. He recently passed away and I went to claim my portion of the pension. That's when I found out. Is it an issue getting it signed off by the judge now? Is there case law that supports a judge signing it? BTW it is discussed in detail in my divorce decree if that helps."

"Profit Sharing Plan is terminating. Does the 10% penalty apply to any Participant under the age of 55?"

"My recollection is that regular IRAs are exempt from bankruptcy up to $1,000,000 and rollover IRAs (from qualified plans) are unlimited. But is there a difference between federal and state bankruptcy. I think bankruptcy laws are a state thing not federal. The ob/gyn client with $5 mil just retired and wants to keep the K plan open indefinitely. I told him only for a year at most. I told the FA to have the client contact an ERISA attorney. Still -- any comments are appreciated."

"I'm hearing about more and more vendors that claim to be able to save self-funded employers on their rx spend by sourcing FDA-approved name-brand medications from countries such as Canada, the UK, Australia and New Zealand. The vendors contract with employers to offer this program to employees, then the vendor works directly with employees to obtain their prescriptions from pharmacies outside the US under FDA personal importation guidelines. These vendors tell employees they can get their drugs for a $0 copay and generally charge the employer a percentage of the savings when the drug is sourced. I'm wondering what the legality is for the both employers offering these programs and employees participating in these programs. What compliance issues should employers consider before implementing these programs?"

"The question is in the title. Please point me toward sources/citations that can help me answer the question (if possible). Other thoughts are also welcome."

"it is my understanding that the IRS, when calculating the 'turnover' rate, considers all employees ELIGIBLE to defer as participants for purposes of calculating the participant numbers. The fact that the DOL has altered the definition of 'participant' for purposes of 5500 counting does not affect this IRS stance. Anyone disagree, or have other thoughts?"