"One lifer DB plan. Assets under 250k. Only 1 year old. I know they made the deposit by 9/15 but never got the information with the date, still pending. No 5500 filing required. However: [1] AFTAP not signed by 9/30 -- as plan is only 1 year old, no issues under the first 5 year rule, correct? [2] Schedule SB not signed by 10/15 -- what is the penalty for this, if any? -- Never had to deal with this before."

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"As I am not a DC person, I need to ask the following question. Need to update a DC document for a one lifer 401k plan from another vendor for a new takeover client. I never include in-service and hardship and would like to remove the options. The owner-participant never utilized them. Are they protected benefits i.e. cannot be removed?"

"Since not a 401k/DC person, based on a conversation with another person who made me doubt myself. For a brand new 401k plan that did not include in-service initially, is it a legal requirement that the plan must provide in-service distribution option at one point, ever? After age 59 1/2 or after NRA?"