My plan year is 7/1 to 6/30 ; the last valuation was 7/1/04; participants need to satisfy the window's eligibility criteria on 4/1/05, need to decide on 5/20/05 , and can retire early on 6/30/05.

Question : client is anxious to know if the window passes non-discrimination tests since participants will want to start receiving benefits shortly after 630/05 -- Q : Can I use 6/30/04 as the snapshot date with the accrued to date method -- and with eligible participants getting an adjusted enhanced amount as of that date ??? Or do I have to collect another census and use a snapshot of 6/30/05 in order for the test to be official ??