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January 2, 2025

Here are the most recently added topics on the BenefitsLink® Message Boards

NewBieHere created a topic in Defined Benefit Plans, Including Cash Balance

Cash Balance Plan Eligibility + 401(a)(26) Question

"I have a client with 2 owners and 2 employees. Under the 40% rule, I can provide meaningful benefits to the 2 owners only. Can I set up a cash balance plan with 2 owners only? Adoption Agreement says that we cannot exclude anyone in favor of HCEs. So, the only other way around is to offer eligibility to everyone but give $0 benefits to the 2 non-owner employees. Is this how it is normally done? It appears counterintuitive that you tell them they are eligible to become participants in the plan but with $0 benefits. Also, how does it affect other administrative compliance requirements such as SPDs, SARs, etc.? Thanks!"
2 replies so far   |    Click Here to Add a Reply

metsfan026 created a topic in Defined Benefit Plans, Including Cash Balance

415(b) Calculation

"Can someone please point me in the direction on where I can get a basic idea of how to calculate the 415(b) limit for a Cash Balance Benefit? I just want to have an understanding of it."

3 replies so far   |    Click Here to Add a Reply

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