"CBP has fixed 6% interest crediting rate and (per pre-approved plan document selection) does NOT provide interim interest to the annuity starting date. Plan terminated, effective 12/31/2025 (also PYE) and will pay out on 6/1/2026, the ASD -- there is no requirement to override the plan provision and provide interim interest (5/12 of 6%), correct? That's true even if we had to average prior 5 years of variable ICRs, yes? I see in the basic document the averaging requirement but nothing requiring an interim credit."

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"I have always checked 'yes' for this question because in the case when a terminated participant takes their payout in cash taxes need to be withheld. The letter the plan receives from the IRS assigning an EIN mentions filing a 945 which has intimidated a new plan sponsor. I reassured them that since no payouts have occurred resulting in federal withholding, a 945 is not required to be filed. I guess I am just looking to be reassured myself that I am doing this correctly."

"Would a travel trailer qualify as a principal residence? Participant is wanting to purchase and place in a trailer park."