"Participant dies and has no designation of beneficiary form. The participant's spouse died 15 years ago. The plan document provides for default beneficiaries as first spouse, if no spouse, then children equally. There are 2 children. I believe the 2 adult children are to both receive 50% of the participant's account. The plan sponsors asked if this should go through probate. It never entered my mind that this would go through probate since there are living children. I'm not a lawyer. I started to doubt myself. I did a little research and it does appear that this would not go through probate. It's not a large amount but still -- need to be sure. The plan administrator (doctor) would make the decision on this--but of course looks to us as TPA to tell them what to do. Comments?"