"We're being asked to takeover and merge 3 separate plans. Entity A purchased entities B&C during 2023. Entity A participates in a PEO 401k Plan. Entities B & C each maintain their own safe harbor 401k, with different safe harbor formulas. Entity A's plan is also SH. We are told it was a stock purchase (B&C are LLCs) and nothing has been done with these plans until now to bring them together. They have been maintained and each have separate TPAs. Since they are all owned by the same owner now we intend to merge the plans effective 1/1/26 sponsored by Entity A and with entities B&C as participating sponsors.... Any reason this can't be done? We're waiting until 2026 because of the issues that would be involved with a mid-year change to safe harbor plans."

"Participant in a non-governmental 457(b) plan incurred a severance from employment and elected to defer distribution of his account (as allowed under the plan document). The participant was subsequently rehired a few weeks later and continued his participation in the plan. When the deferred distribution date arrived (2 years later) the recordkeeper failed to segregate the participant's contributions and distributed his entire account, including deferrals made after he was rehired. Participant is still employed. Was the participant entitled to receive the distribution of his account attributable to deferrals in his first period of employment (because he did have a severance from employment and elected a deferred distribution date)? If so, can we treat the distribution of the deferrals made during his subsequent re-employment an 'overpayment' and use the correction method for overpayments in EPCRS to correct (knowing that 457(b) plans are not included in EPCRS)?"

"I was married to a DC law enforcement officer for 24 years -- married in 1992, before we were divorced in 2016. He has since passed in 2023 and I found out after his death that he had retired in early 2000. We had been separated before our final divorce. I did not waive my rights to benefits but was denied spousal benefits from the DC Retirement Board. Can I seek an investigation into my ex-husband's retirement package to determine if there was fraudulent activity that has prevented me from being the primary beneficiary?"

"Our firm is managing the investments and the administration for a client where each participant has individual brokerage accounts. We process def, match, and ps into each of their individual brokerage accounts. For those who have clients that aren't at traditional record keepers, is it recommended to have individual accounts for each money source?"

"We have a client with a 401(k). The client does not want to hire an investment consultant. Instead, they are looking for a resource for where to get a report of metrics for the investments in the Plan so they can do this work themselves. Does anyone know of a good resource for this? I understand the benefits of an investment consultant and they have been communicated to the client, but this is their decision."