"A plan has a 100% match on the first 6% of comp. If I recall correctly, a formula can be considered safe harbor if you contribute a match only based on the first 6% of comp, but only if that amount is less than 100% of the first 4% of comp. That would make this match on the first 4% of comp safe harbor, and the match on the next 2% a fixed non-SH match. Since there's a portion that's non-SH, the plan would be subject to ADP and ACP testing -- do I have all of this correct? Would the ACP testing be done using the entire match or only the non-SH portion, i.e., the amount based on the 4% -- 6% of comp?"

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"I'm hearing different things from TPAs regarding whether or not they are making a Student Loan Matching Certification Form available to participants. Has anyone seen TPAs putting anything together? I'm also surprised I haven't seen anything from document providers?"