"If a plan was adopted and effective 1/1/2023, but hires the 11th employee on 4/1/2025, is the effective date when the plan has to add MAE 1/1/2027?"

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"Is there a company that everyone uses to help locate terminated participants who we can't locate? The company we used to use seems to no longer be operating, so we needed a new one."

"12/31/2024 plan and it failed the ADP test. The test (current year) was split into excludables and non-excludables and the non-excludable test failed. Client wants to go with the QNEC. Basic question I know, but I have never had a client choose this route. How do I calculate the $10,000 plus QNEC? Based on compensation for the plan year? Also, does it go to all eligibles or just the people on the failed non-excudable test?"

"If a search result includes what the search suggests now is a likely current address (postal or email, or even both) for the individual, what does a plan administrator or its service provider do with that information? (Assume an account not yet nearing a Section 401(a)(9) required beginning date and not subject to a small-balance involuntary distribution.) Whether the found address is postal or email, an administrator might be reluctant to send a written communication there, fearing that a person other than the participant might receive the communication.... Could efforts to find an inoperable-address participant help an impostor steal the participant's account? Are there ways of communicating to the found address without revealing anything about the name or identity of the retirement plan? Or might the communication omit the participant's name? If so, would either such a communication, if it reaches the participant, be effective in getting a response from the participant? What steps would a plan's administrator use to guard against a theft of an inoperable-address participant's account?"