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Cross-Tested Plans
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Need some help on floor offset arrangement
(20 replies)
OK for HCE group to choose zero contribution?
(5 replies)
Cross-Tested: Seminars, Book, etc
(5 replies)
Top Heavy Rule - Help!
(4 replies)
Cross Tested /Controlled Group
(3 replies)
Three-Year Averaging Method of Calculating EBARs
(1 reply)
Include/Exclude Earnings During Measurement Period?
(1 reply)
Using Salary to Identify Groups
(2 replies)
Accrued To Date Method
(8 replies)
New Comp Classes
(8 replies)
ESOP Aggregation with DB?
(1 reply)
Average Benefit Test with different eligilibilities
(3 replies)
18 Month Eligibility
(1 reply)
naming groups with a owner by attribution
(11 replies)
Otherwise Excludables and the Gateway Contribution
(11 replies)
401(k) Top Heavy 2 year eligibility with some HCE's being capped in PS
(14 replies)
Calculatign EBARs
(3 replies)
Cross testing HCEs with no allocation
(4 replies)
The testing part of cross testing !
(4 replies)
Group Allocations?
(3 replies)
Controlled Group with 2 plans
(1 reply)
New Comp for partnership
(4 replies)
QNEC Considered NEC?
(1 reply)
Last day rule, 5% gateway, July 1 entry date, etc.
(5 replies)
Cross-tested groups
(4 replies)
Last Day Requirement
(8 replies)
QNEC AND TESTING
(13 replies)
2 Year Eligibility
(8 replies)
Gateway Minimum
(12 replies)
Age Based allocation formula
(9 replies)
Gateway/Top Heavy
(6 replies)
Corrective Amendment for failed 401a4
(5 replies)
Cross Tested Plans, Completing Schedule T, Form 5500
(3 replies)
Meeting gateway with separate PSP and SH 401k
(1 reply)
Aggregation of Plans
(4 replies)
Gateway Minimum
(1 reply)
New Comp for a multiple employer plan
(0 replies)
Restructuring Into Component Plans
(7 replies)
7.5% DB/DC combo limit
(2 replies)
Forfeiting ER contributions to correct a failed general test?
(9 replies)
Individual Rate Group Clarification Question
(3 replies)
New Comparability, Volume Submitters, and IRS Submissions
(17 replies)
using top paid group
(1 reply)
414(s) consistency
(3 replies)
Flexibility on Cross tested plan with separate rate groups for each HCE
(6 replies)
New comp with one key waiving comp
(4 replies)
401(K) Safe Harbor w/cross tested PS
(9 replies)
Average Benefits Test & Safe Harbor Contributions
(9 replies)
Are cross tested plans supposed to allocated contribution based on age -or- job classification ? ..... Which is it ?
(5 replies)
Broadly available allocation rates gateway exception
(4 replies)
Age-Weighted Profit Sharing Plan
(3 replies)
Separate plans for each company in controlled group?
(2 replies)
Are you still issuing the (lame) "Trustee Notification"?
(3 replies)
Gateway allocation
(6 replies)
Can Minimum Gateway be avoided for an allocation group whose allocation is 0% (not benefitting)?
(5 replies)
New Comparability
(2 replies)
Merger Cross-Tested
(1 reply)
Form 5500 for Cross Tested Plans
(2 replies)
Separate Testing of Otherwise Excludables
(2 replies)
Testing Using The Accrued-to-Date Method
(11 replies)
Meeting gateway requirements
(2 replies)
How I'm running nondiscrimination testing for doctor's plan; please check me
(32 replies)
3 401(k) plans in controlled group of A, B and C: OK to aggregate profit-sharing components of A and B but deferral and match components of B and C?
(2 replies)
Age-weighted PS plan; does this plan design satisfy "gradual age or service schedule" requirement?
(1 reply)
Reasonable Classification? "All owners except those participants who are owners due to stock attribution rules."
(2 replies)
Cross testing
(8 replies)
Excluding HC's in the general test
(2 replies)
Cross-tested 401k plan uses QNECs to pass the ADP test. Are the QNECs
(18 replies)
Proposal Software
(2 replies)
Imputing Disparity
(4 replies)
Who's Required to Receive Minimum Alloc. Gateway
(1 reply)
Groups
(2 replies)
controlled group - termination of employee
(5 replies)
ABT for 410(b), Crtst for 401(a)4)
(1 reply)
Top Heavy Safe Harbor Cross Tested
(6 replies)
Integration in Xtested Plan?
(3 replies)
Gateway, Top Heavy, and Class Exclusion
(4 replies)
Money Purcchase Contribution
(2 replies)
Key opting out of plan
(4 replies)
Age Weighted PSP
(7 replies)
Floor/offset Plans
(2 replies)
Gateway between MP, PS with differing eligibility
(5 replies)
Coverage vs Nondiscrimination
(2 replies)
1.401(a)(4)-8(b)(2)(ii)(B) Normalization to Determine Equivalent Accru
(11 replies)
Insurance Premiums in New Comp Plan
(3 replies)
Plan Wording
(0 replies)
First Year DB/DC Combo, DB Counts Prior SVC
(25 replies)
Rate groups and allocations
(24 replies)
Inputting Permitted Disparity
(7 replies)
Top Heavy Aggregation
(12 replies)
Fail Safe Language
(12 replies)
DC/DB combo plans
(1 reply)
Cross-tested and safe harbor Plan
(1 reply)
401(a)(4) TEST GROUP
(3 replies)
Contribution Funding
(1 reply)
CROSS-TESTED DESIGN A CODA?
(18 replies)
gateway and multiple formula situation
(1 reply)
DC Cross-test Broadly Available Allocations
(2 replies)
Another gateway question
(8 replies)
age 65 factor for later ret. ages
(7 replies)
Gateway provided in another DC plan?
(3 replies)
Gateway rule
(2 replies)
Passing 401(a)(4)
(12 replies)
Rate Groups
(5 replies)
FORFEITURE ALLOCATION BY RATE GROUP
(19 replies)
Gateway
(1 reply)
Excluding HCE's by Compensation
(2 replies)
Amending plan to New Comp
(7 replies)
EBARS/401a4
(1 reply)
Excluding One Child Out of a Family of Owners
(11 replies)
Component Plans
(9 replies)
Definitely determinable benefits
(3 replies)
DB/DC combos
(3 replies)
Eligibility for Cross Tested 401(k) Profit Sharing Plan
(18 replies)
cross testing and family attribution - I'm confused.
(8 replies)
Integrated formula in a cross-tested plan
(14 replies)
Graded Formula and Gateway--Will This "Fly?"
(3 replies)
Allocation limit?
(7 replies)
Annuity Purchase Rates(APR)
(4 replies)
401(k)/New Comp
(14 replies)
Irrevocable Waiver
(4 replies)
failed ABT
(1 reply)
Any DATAIR users out there?
(4 replies)
gateway and irrevocable election
(13 replies)
Avg Benefit Test
(6 replies)
Testing Age
(3 replies)
Consistent Treatment of Otherwise Excludables?
(14 replies)
average benefit percentage
(2 replies)
zero allocation to particular classification and be relieved of gatewa
(8 replies)
Bifurcated Eligibility Requirements
(1 reply)
Non top heavy Plan - participant <1000 hrs
(4 replies)
DB Plan on top of X-tested PS p lan
(5 replies)
plans subject to gateway
(9 replies)
"Cross-testing" in a prototype to satisfy 401(a)(4)
(7 replies)
Rate banding?
(2 replies)
Average Benefits Test
(2 replies)
Classifications
(2 replies)
Combo 401(k) & New Comp
(2 replies)
Min contribution by classification?
(3 replies)
Classification - part-timers?
(3 replies)
Restructuring and Gateway rules
(1 reply)
Top heavy and general testing
(10 replies)
Cross Testing a Controlled Group
(9 replies)
More cross testing issues
(5 replies)
What's an "age neutral plan"?
(2 replies)
Coverage Testing
(17 replies)
Small 401k that may allow 100% HCE deferral
(18 replies)
Gateway and Top Heavy
(24 replies)
minimum gateway document language (Corbel)
(0 replies)
Non Discrim Classsification Test- Midpoints
(1 reply)
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