In order to take an in-service withdrawal of employer profit sharing money, must the plan specify both a minimum service and minimum age requirement?

A plan has a 5-year participation requirement in order to take an in-service withdrawal of employer money. Must there also be a minimum age requirement in effect for this? Or is that only for elective deferrals? For example, could a 40-year old take an in-service distribution of all of his vested profit sharing source if he had participated in the plan for the 5 years?

Thank you

Yes. in your example he can.

It should not be a problem. I have seen Plans with age only, years only, and both.

And you are correct about in service withdrawels form deferral source being related to age, whether or not it is mentioned in the document. ( It should be in the doc)