"My plan fails coverage test and ABT and passing by combining another plan with my plan and passes coverage. In this scenario, whether I have to check yes for 'Does the plan satisfy the coverage and nondiscrimination tests of Code sections 410(b) and 401(a)(4) by combining this plan with any other plans under the permissive aggregation rules?'. Another plan combining both ADP ACP and 401(a)(4) with another plan. Whether I have to check Yes for this scenario for 14a. If possible explain what is the difference between these two scenarios and give me link of documents which explains this scenario."

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"For the TPAs out there, I'm curious as to what people's thoughts are on the recordkeeper landscape these days.... I'm trying to get a sense of which recordkeeper partners we should lean towards without changing too much. Typically have 3-4 that we use. As TPA, we only do annual 401k accounting and mostly utilize Nationwide, John Hancock, Voya and July Services at the moment. I've been doing work looking into Empower recently so it would be nice if anyone has any experience using them recently (I believe over the last few years their platform was enhanced as well)."

"My client (a divorce lawyer) asked me to write a QDRO for their client who has a solo-401k plan containing real property. I advised a plan audit is needed because of entwined interests in the real property, and entanglements with other real properties that are not plan assets (and are in another state), as I'm not going to write a QDRO for that client until those interests are sorted and all cards are on the table. So, I'm seeking recommendations for auditors with experience with solo 401ks owning real property in multiple jurisdictions. Washington State or Virginia licensure may be required."

"Suppose you have a governmental 501(c)(3) 403(b) plan. They (the employer) does not participate in Social Security. So, are [the employees'] W-2 wages considered 'FICA' wages? ... [T]his is purely for sake of discussion.... If they don't participate in Social Security, I don't see how they could be FICA wages."

"Sole proprietor has not filed his tax returns yet (on extension). Wants to adopt solo 401k retroactively, and make maximum deferral and profit sharing contributions. What is the latest date he can adopt and contribute? I'm being told that under Secure 2.0 he cannot defer after April 15. Is this true? (Getting conflicting answers.)"