"Plan allows for loans. Loan program allows for payments to be suspended while on medical leave. Plan does not allow for hardship. Participant is not old enough for in-service. Participant goes out on approved medical leave. Participant now wants to take a loan to cover his medical bills, sponsor wants to allow. Participant and Sponsor then want to immediately suspend loan payments (that is no loan payments will be made initially) until participant returns from medial leave, not to exceed 1 year. Loan would accrue interest and be re-amortized so as not to exceed 5 year period when participant returns. Is this allowable from a code standpoint?"

"For an off calendar year plan with a 4/1-3/31 plan year, how will the Roth mandate work? For example the 2025 plan year ends 3/31/26, are all catch-ups made starting in January for HPI's treated as Roth?"

"Has anyone hired an AI consultant to help with streamlining processes? How did it work out? Can you refer a firm/consultant?"

"Auto enrollment is set to 3%. Participant who had opted out and never deferred is rehired. I can't seem to find this in the Plan Doc. Would they need to opt out again, or would the original opt out still stand? Not sure to what extend number of breaks in service would affect this."