"Record keeping platform sends approval notification to the TPA for review an approval. Does anyone attempt to confirm that it is truly the participant who is initiating the distribution request? If so, what do you do? A TPA review/confirmation certainly opens the TPA to some liability. I'd like to get some specific control ideas from the group. We've never had a fraud incident in 30 years but just a few days ago, someone tried. Thank you!"

"Multi-employer, government-sponsored (technically non-ERISA) cafeteria plan that provides pre-Medicare retiree coverage. Question concerning a recent pre-65 retiree who has a NMSO in effect for dependent coverage. Retiree wants to drop coverage in favor of HRA-only waiver because other coverage is available through spouse. I believe we are still considered an 'employer' for purposes of the NMSO and cannot allow the retiree to drop coverage without an amendment to the NMSO, but have been unable to find guidance on this question anywhere. Anybody else dealt with such a situation?"

"Under SECURE, sole-prop can adopt a 401k plan after year end and prior to 4/15 (as far as I know, no extension in filing allowed) How about changing deferrals for an existing plan? Do they need to be done by 12/31 or can be done by 4/15 following?"