"I was looking through the plan documents on ASC and I'm seeing language in a few places that we don't use about offset -- mostly relating to employer contributions and safe harbor contributions offsetting them. I also see language for this in a few spots within Relius. How exactly does offsetting a source work and why / when would you use it?"

"We're taking over a plan in existence since 2011. We are mirroring their prior document. The client didn't sign our doc by the 2024 plan year. [1] Should we just use the prior document to administer the 2024 plan year and create our document for 2025? or, [2] Can we still prepare our document for the 2024 plan year even though it won't be signed by the Plan Sponsor until 2025? Again, no changes being made, just a mirror image of the prior document."

"Rather than spend an entire day putting different contribution scenarios into a recordkeeping system (e.g. Relius, etc.) to get this test to pass does anyone have a spreadsheet with the testing formulas built in they can share that is set up to plug in compensation, contributions to come up with a pass/fail?"

"I receive a Health and Welfare Benefit from my employer of $4.50. If i defer health insurance this is supposed to be deposited into a 401k. However after 15 months of employment and checking 401k balances it's as if there behind almost a year for deposits. Does anyone know if they can hold these deposits? I do not contribute and extra from my pay into the acct. I can't get a straight answer from my employer. any thoughts would be appreciated."

"I know the answer is no but second guessing because someone is challenging that it can done. I own the LI policy, not my plan and I want to pay with plan assets, the question how can I do that, policy is not owned by the plan What am I missing here?"

"For employers that offer an HSA and HSA Employer Contribution, what is the best practice for when employees leave the company? Medical benefits are scheduled to term on last day of month (in the example below, it would end on 2/28). When should the employer stop their EE & ER contributions? For example, pay period is from 2/17/2025 -- 3/2/2025 and pay date is 3/72025. If an employee terminates on 2/24, should they receive the full employer contribution even if the pay date falls in March? What about their EE contributions? Should employers still deduct the EE contributions from their March check, even if benefits ended on 2/28?"