"A 401k plan is going through the correction program to make amends for not giving quite a few individuals the opportunity to make 401k contributions. When calculating the associated match on the MDO, is it required that the match be 100% vested even if the plan uses a 6 year graded match vesting schedule?"

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"I've got a pooled plan where the plan sponsor doesn't want to show the investment fees separately from other gains/losses. He says that it's net gains that matters -- if the net is better than 'average', then the participants are fine. He is fine with it showing on the SAR, and he is happy to tell his participants that the fees on the SAR are net against the total gains on their statement. That isn't sitting well with me. I'd think that in a pooled plan, the disclosure standard is even higher since all the assets are controlled by the trustee. The fact that there are lawsuits about fees seems to indicate that disclosing fees so they can be monitored is the right thing to do. So my question is, is there something in black and white that supports either side?"

"I am looking into a DB plan design for a professional boxer and researching what a reasonable NRA is for a new DB plan. Currently, age is mid 20s. I looked online and on average, it is age 37. Some retire in the 20s, early to late thirties. On very exceptional situations, past 40. So, using NRA of 35-37 seems reasonable with a 10 YOP for a DB plan. Apparently planning to retire within 5 to 7 years. Any comments?"

"Having a discussion with someone about SSRA as testing age. I do not believe it can be used as it is not a uniform testing age and nowhere it says it is ok, at least from what I have been checking. Per EOB, non-discrimination answer book and other sources, if there is no uniformity then use 65, nowhere it said it is ok testing using SSRA ages. What say you?"