I'm writing this because I'm curious about the number of potential problems out there, and because I want to make a one-time offer to small businesses who are subject to the ADP test for the first time ever.

Did your company change to a Non-safe-harbor plan this year? If you answer "yes", don't give the name of your company IE: Don't attract that kind of attention to yourself. I'm just curious if the reports are exaggerated. I hope they are!

I have read some articles talking about 401ks that are not funding matches due to uncertain economic times. This means many companies will be subject to the ADP/ACP test for the first time. HCEs (who never heard of anti-discrimination rules) will be forced to take a large refund next year, unless something is done before the end of the year.

To help mitigate this problem, I’m offering a 3 month subscription to my ADP/ACP testing site for $29.
401ktest.com is designed to accommodate companies with 200 employees or less. It works with larger companies, but some of the features become hard to use; like the feature allowing you to (drag and drop employees from one category to another) during the testing process.

Don’t let the price scare you. This site works! I was just told yesterday that it functions better than the more expensive sites. It’s been up and running for 14 months now.

Without preliminary testing, this spring could be a compliance nightmare for newly adopted non-safe harbor plans!

To the moderator:
If this is the wrong way to make this offer to your readers, please contact me regarding a more appropriate way to get this information out before Christmas bonuses are written, and officers make that last big contribution to their plans.