"Company A has a 401k plan as does Company B Company A is sold to Company B. Company A employees are now Company B employees. No plan merger happening. Company A will terminate their 401k plan, but not for a few months. Can former Company A employees take distributions from Company A 401k plan immediately since they are no longer Company A employees? Eventually they will with when the plan termination date is decided, but can they do so before then?"

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"A plan sponsor wants to cover his LTPT spouse and children so they can make deferrals. I realize they will not receive any employer contribution. This plan is cross-tested and provides the minimum gateway for other NHCEs (3% SH and 1.4% PS). The family members' deferral rates will be a very high% of pay. I want to make sure their deferrals don't get included in the big average benefits test EBARs Otherwise they will cause that part of the test to fail and then cross-testing will become very challenging."

"If you have a straight 6% profit sharing plan with 5.7% on wages above social security wage base what is the formula. I do not know if my formula is wrong or my procedure for checking after calculation is wrong. Anyone run into this scenario?"

"Anyone here have any experience with determining COBRA coverage where inpatient hospital stay billed to self-insured plan under diagnosis-related group pricing (DRG)? Participant's COBRA coverage ended 7/31 and was admitted to the hospital on the same day. She remained in the hospital until 8/29. Because charges were billed under DRG (as one claim dated 7/31), former employer's plan being told it is on the hook for the entire bill, even though her COBRA coverage ended 7/31 and 99% of the charges were incurred after COBRA coverage ended. Thoughts?"