"With community property no longer nullifying the exception to spousal attribution, the following question has come up: If an individual is an independent contractor and provides services (not management) to spouse's business 1 day per week and also provides same services to other businesses, would the spousal exception still apply? The no participation clause states: the individual is not a director or employee, and does not participate in the management, of that business. Taken literally, none of those things are true. Is there more to 'participation' than director/employee/management?"

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"What are the most practical options (cost first, quality second) to offer a fully bundled Safe Harbor Match (Basic formula) stand-alone 401(k) Plan? For a small company with 15-20 employees (high turnover, bunch of part-timers)."

"Does it say anywhere that the comp limit is the FIRST $345,000 earned? (for 2024) My doc says 'Compensation in excess of $200,000 [as indexed] shall be disregarded for all purposes other than for purposes of Elective deferral.' Does that mean someone who earns $700,000 a year, but doesn't start deferring until the second half of the year will get no match? Doesn't make sense. But plan sponsor and advisor want something in writing."