"This is a 3% non-elective 3% safe harbor; HCE are included in the plan (they are allowed to participate in all contribution sources). The client does not want one of the HCE's to receive the 3% safe harbor contribution. Can we simply not give the HCE the 3% safe harbor contribution?"

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"Does anyone know if SECURE 2.0 made changes to EPCRS that can now apply to governmental and non-governmental 457b plans? Thanks!"

"DBP terminated in 2023 with 4 active employees (2 owners and 2 staffs) in 2023 and the sponsor wants to move the excess asset to the 401k plan to avoid excess tax. Both staffs (one is HCE, another is NHCE) terminated in 2024. The NHCE needs to get GW so she/he needs to be benefiting in 2024 xtest, what about the HCE? He doesn't have any required contribution (GW or TH)."

"Suppose a participant in a traditional DB plan terminated employment 10/31 and has an annuity starting date of 11/1. If they receive two months of severance comp which is not paid until 12/31 can that comp be included in the accrued benefit as of 10/31 and become part of the first payment on 11/1? If the severance comp is paid in the final 10/31 pay I think clearly it is okay. The first scenario does not seem correct to me but I cannot say why precisely. Would it be different though if the benefit calculation is done after 12/31 with a RASD to 11/1? The plan document says that the accrued benefit is as of a date but compensation seems to be related to the plan year?"

"As per the new DOL regulatory the requirement for annuities has been loosed is there thing that can be shared what those requirements are? any DOL guidelines links that any one share?"

"We have a 401k plan with a participant who died a couple of years ago. The beneficiaries are the 2 adult children. The daughter has already received her distribution, but the son will not respond to any contact from us or from his sister. He did respond when we first contacted him and said he would complete the paperwork, etc. He never did and now does not respond to mail, calls, etc. We cannot even do a forced rollover because we have no SSN to provide the platform that holds the assets. Any suggestions are appreciated."