"Some of you help those xls and please help me calculate these 2 owners participants max lump sum distribution limit with most liberal plan. These owners has the plan invested in the stock market so they have extreme excess so they want max limit and they can change the plan language to whatever you like as long as it's legal. [1] Date of birth 10/3/1973, employment starts 5/1/2018, plan start 2021 and plan end 2026, W-2 $140,000, interest rate 4%. [2] Date of birth 3/29/1974, employment starts 5/1/2014, plan start 2021 and plan end 2026, W-2 $265,000, interest rate 4%."