"Company with 7 regular full-time employees and 5 full-time union employees. Are they considered 'normally employing' enough people to trigger mandatory automatic enrollment, or do we get to not count the union employees (presuming their retirement benefits are properly subject to their collective bargaining agreement)?"

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"Company is purchased by another company. Current PYE 10/31. Their 401k plan is merging into the purchasing company's 401k plan as of 1/1/2026. Purchasing company has a PYE of 12/31. Is a short plan year (Including a 5500) necessary for 11/1/2025-12/31/2025 for the current plan?"

"Unable to retrieve American Funds Funds Trust Reports have been unable to be produced due to 'IT problems with restructuring the Trust Reports to the old platform' and these have not been able to be made available. Since the beginning of October. This will affect some clients who have been waiting for the Trust Reports as I always compare these with clients' records. I consider this a Reasonable Cause, but the communication with IRS usually takes a few months. I have always been advised to wait until all information is available to file rather than just filing nebulously as the client signs no perjury as he signs Form 5500-SF. Thoughts, comments?"