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https://benefitslink.com/boards/topic/3342-simultaneous-death-laws-and-ira-beneficiaries/ Simultaneous Death Laws and IRA Beneficiaries - IRAs and Roth IRAs - BenefitsLink Message Boards Hi Everyone, Need some input on this one. I am aware of a case where a husband and wife were each named as reciprocal primary beneficiary on each other's IRA... ira beneficiaries simultaneous death laws https://benefitslink.com/boards/topic/5063-2-person-non-profit-401k/ 2 Person Non-Profit 401(k) - 401(k) Plans - BenefitsLink Message Boards Can a 2 person Non-Profit have a 401(k) Plan? And does is matter if both are HCE's? non profit person k plans message https://benefitslink.com/boards/topic/69289-controlled-group-different-eligibility/ Controlled Group - Different Eligibility - 401(k) Plans - BenefitsLink Message Boards Let's say there are two plans in a Controlled Group: 1) Plan A - 3 months of service required for eligibility 2) Plan B - 6 months of service required for... controlled group different eligibility k plans https://benefitslink.com/boards/topic/9921-leaving-llp-and-ongoing-receivables-plan-allowed/ Leaving LLP and ongoing receivables - plan allowed? - SEP, SARSEP and SIMPLE Plans - BenefitsLink... A doctor is leaving his LLP group. He will receive a buyout over time for his equity interest in the partnership. In addition, he will be receiving his net... https://benefitslink.com/boards/topic/9635-deadline-for-correcting-an-ira-excess-contribution/ Deadline for correcting an IRA excess contribution? - IRAs and Roth IRAs - BenefitsLink Message... What is the deadline for correcting an IRA excess contribution that was made March 2001 for year 2000? https://benefitslink.com/boards/topic/73361-pensionpro-developerprogrammer-recommendation/ PensionPro Developer/Programmer Recommendation - Computers and Other Technology - BenefitsLink... I'm exploring the feasibility of integrating PensionPro with a SharePoint spreadsheet to automate the tracking of workflows. I would appreciate a... developer programmer and other recommendation computers technology https://benefitslink.com/boards/topic/7783-does-anyone-have-a-maybe-safe-harbor-notice/ Does anyone have a "maybe" safe harbor notice? - 401(k) Plans - BenefitsLink Message Boards Does anyone have a "maybe" 401(k) safe harbor notice that they would be willing to share with me. I have sample notice we use when the employer does not want... https://benefitslink.com/boards/topic/1560-executive-decides-not-to-retire-at-65/ Executive decides not to retire at 65? - Nonqualified Deferred Compensation - BenefitsLink Message... Existing unfunded NQ deferred com plan provides that at age 65 the executive is fully vested and that within 30 days after age 65 payments will begin either in... to retire https://benefitslink.com/boards/topic/1540-split-dollar-life-insurance/ split dollar life insurance - Nonqualified Deferred Compensation - BenefitsLink Message Boards An employer has a collaterally assigned split dollar arrangement with several key managers. There are fully executed agreements specifying the extent of the... life insurance deferred compensation split dollar benefitslink https://benefitslink.com/boards/topic/8087-years-of-service-1000-hours/ Years of Service "1000+ hours"? - Governmental Plans - BenefitsLink Message Boards May a governmental plan (a defined contribution plan) require more than 1000 hours for a "Year of Service" for participation and eligibility purposes?... years of service hours governmental plans benefitslink https://benefitslink.com/boards/topic/752-domestic-partners/ Domestic Partners - Cafeteria Plans - BenefitsLink Message Boards Anyone seen a decent publication on the tax (or other) rules associated with domestic partners participating in cafeteria plans? domestic partners cafeteria plans benefitslink message boards https://benefitslink.com/boards/topic/504-simple-ira/ SIMPLE IRA - SEP, SARSEP and SIMPLE Plans - BenefitsLink Message Boards How do you handle the situation if someone overfunds their SIMPLE IRA (put in $12,000 of deferral instead of $6,000)? How is the money refunded? 1099? simple ira sep plans benefitslink message https://benefitslink.com/boards/topic/838-discrimination-testing-for-sec-125-pop/ Discrimination Testing for Sec. 125 POP - Cafeteria Plans - BenefitsLink Message Boards A client feels they may be discriminating against their Hourly, non-exempt workers since they and their Salaried workers "run" their payroll deductions through... discrimination testing cafeteria plans sec https://benefitslink.com/boards/topic/1674-vacationsick-time-payout-while-on-stdltd/ Vacation/Sick time payout while on STD/LTD? - Miscellaneous Kinds of Benefits - BenefitsLink... Legally, should a company payout or hold accrued vacation/sick time while an employee is on STD/LTD? https://benefitslink.com/boards/topic/4863-employer-contribution-for-surrender-charges/ Employer contribution for surrender charges - 401(k) Plans - BenefitsLink Message Boards A plan is invested in a certain investment vehicle, which charges a surrender fee. The plan decides to switch investments. All the participants who are... employer contribution surrender charges https://benefitslink.com/boards/topic/7030-elapsed-time-nightmare/ Elapsed Time Nightmare - Relius Administration - BenefitsLink Message Boards I am really frustrated trying to keep up with years of vesting service using elapsed time in Quantech. Just as one example, I have one particular employee in... elapsed time nightmare relius administration benefitslink https://benefitslink.com/boards/topic/6143-c-1-exam-in-general/ c-1 exam in general - Continuing Professional Education - BenefitsLink Message Boards the c-1 exam is fairly comprehensive-as important as knowing the basics of defined contribution and defined benefit plans is that you carefully read the... in general professional education exam https://benefitslink.com/boards/topic/69196-erisa-bond-coverage-combine-bonds/ ERISA Bond Coverage.... combine bonds? - Retirement Plans in General - BenefitsLink Message Boards Client has a bond but needs to increase coverage. He is asking.... "to meet the coverage requirement does it matter if I have 2 bonds that in total meet or... retirement plans in general erisa bond https://benefitslink.com/boards/topic/5709-research-books-and-services/ research books and services - Operating a TPA or Consulting Firm - BenefitsLink Message Boards I've always favored CCH over the red RIA books (or whatever they're called). But now cch is going to straight annual billing and I don't like that. Does anyone... https://benefitslink.com/boards/topic/4679-401k-safe-harbor-plan-language/ 401(k) safe harbor plan language - 401(k) Plans - BenefitsLink Message Boards I am trying to find out how people are handling plan language for a new 401(k) safe harbor plan. We use Corbel's document (individually designed documents) and... safe harbor k plan language message https://benefitslink.com/boards/topic/4775-stock-distribution-and-beneficiary-basis-from-401k-plan/ Stock Distribution and Beneficiary Basis from 401k plan. - 401(k) Plans - BenefitsLink Message... If a participant leave a 401k plan and had employer stock in it, rolls over the cash portion and takes a distribution of the stock shares what basis does he... https://benefitslink.com/boards/topic/3837-charging-plan-transaction-fees-to-participants/ Charging Plan Transaction Fees to Participants - 401(k) Plans - BenefitsLink Message Boards Is anyone out there charging transaction fees, such as Distribution Fees, directly to the participants that make the transaction? If so, what types of... transaction fees https://benefitslink.com/boards/topic/1193-19992000-healthcare-rate-adjustments/ 1999/2000 Healthcare Rate Adjustments - Health Plans (Including ACA, COBRA, HIPAA) - BenefitsLink... We are an employee benefits consulting firm working with employers with 500 to 3,000 employees located in the NW and in California. Most of our clients have... health plans https://benefitslink.com/boards/topic/10219-are-salary-deferrals-deposited-late/ Are salary deferrals deposited late? - 401(k) Plans - BenefitsLink Message Boards The employer of a calendar year 401k plan made a $15,000 discretionary contribution 12/08/00 for 2000. The salary deferrals made by employees for 12/00... salary deferrals deposited late https://benefitslink.com/boards/topic/4712-are-contributions-tofor-ineligible-employees-included-in-adp-and-acp/ Are contributions to/for ineligible employees included in ADP and ACP - 401(k) Plans - BenefitsLink... Ineligible employees were allowed to make salary deferral contributions and received matching contributions. The amounts have been returned or forfeited under... https://benefitslink.com/boards/topic/4728-401k-payroll-deductions-and-employer-match/ 401(k) payroll deductions and employer match - 401(k) Plans - BenefitsLink Message Boards Seven months ago my previous employer deducted two months contributions from my paycheck but did not deposit it into my 401(k)account. Furthermore, when I... payroll deductions employer match k https://benefitslink.com/boards/topic/7870-non-participant-loan/ Non-Participant Loan - Distributions and Loans, Other than QDROs - BenefitsLink Message Boards If a participant in a self-directed 401(k)/PSP decides to loan money from his or her plan account to a third party who is not a disqualified person or... https://benefitslink.com/boards/topic/80828-plan-consultant-dbcb/ Plan Consultant - DB/CB - Employee Benefits Job Opportunities - BenefitsLink Message Boards for MAP Retirement (Remote)View the full text of this job opportunity employee benefits job opportunities plan consultant db https://benefitslink.com/boards/topic/54-exclusive-benefit-rule/ Exclusive Benefit Rule - Retirement Plans in General - BenefitsLink Message Boards Can a Multi-Employer Pension Plan use Plan Assets to pay membership dues for a city's Chamber of Commerce? The Plan's Trustees feel the membership would... retirement plans in general exclusive benefit rule message https://benefitslink.com/boards/topic/10685-announcement-2001-77/ Announcement 2001-77 - 401(k) Plans - BenefitsLink Message Boards If a 401(k) plan uses a non-standardized prototype document, and the only reason for not using a standardized prototype is that the plan needed to be able to... announcement k plans message boards https://benefitslink.com/boards/topic/69264-re-hire-prohibition-how-long/ Re-Hire Prohibition - How Long - 401(k) Plans - BenefitsLink Message Boards I trying to get a sense of how long employers are prohibiting the re-hire of employees who have a 401k account and are under age 59 1/2 to support there is a... how long hire prohibition https://benefitslink.com/boards/topic/8387-401k-advance-contributions/ 401(k) Advance Contributions - 401(k) Plans - BenefitsLink Message Boards contributions plans k advance message boards https://benefitslink.com/boards/topic/1236-broker-capabilities-checklist/ Broker Capabilities checklist - Health Plans (Including ACA, COBRA, HIPAA) - BenefitsLink Message... I'm looking for a list of broker capabilities for selecting a broker for health and welfare plans. health plans broker capabilities checklist https://benefitslink.com/boards/topic/5659-mandatory-aggregation/ Mandatory aggregation? - Cross-Tested Plans - BenefitsLink Message Boards A single employer maintains 2 separate plans: 1) 401(k) with match 2) New Comparability Profit Sharing Both plans pass 410(B) on their own. Both plans cover... mandatory aggregation cross tested plans https://benefitslink.com/boards/topic/4289-top-heavy-correction/ Top-Heavy correction - 401(k) Plans - BenefitsLink Message Boards I have a plan which has one participant who was mistakenly skipped over for t-h min. in 1996 and 1997. How do you correct. top heavy correction k plans https://benefitslink.com/boards/topic/10414-gust-restatements/ GUST Restatements - Retirement Plans in General - BenefitsLink Message Boards How is everyone handling the effective date of your restatements of plans which have had substantive amendments adopted between the effective date of GUST's... retirement plans in general gust benefitslink message boards https://benefitslink.com/boards/topic/4345-top-heavy-contributions-for-hardship-withdrawal-employees/ Top Heavy Contributions for Hardship Withdrawal Employees - 401(k) Plans - BenefitsLink Message... For employees (non-key, non-highly compensated) who take out hardship withdrawals, should they still receive 3% mandatory Top Heavy employer contributions?... https://benefitslink.com/boards/topic/5225-minimum-required-distribution-option/ Minimum Required Distribution Option - Defined Benefit Plans, Including Cash Balance - BenefitsLink... Where can I get a list of DB Plans offering the MRD option? Are their any government DB plans that offer this option? defined benefit plans required distribution cash balance minimum option https://benefitslink.com/boards/topic/80875-316-compliance-manager/ 3(16) Compliance Manager - Employee Benefits Job Opportunities - BenefitsLink Message Boards for 401K Safe (Remote / Albertville AL)View the full text of this job opportunity compliance manager employee benefits job opportunities https://benefitslink.com/boards/topic/801-can-a-403b-tax-shelter-annunity-be-included-in-a-cafeteria-plan/ Can a 403(b) tax shelter annunity be included in a cafeteria plan. - Cafeteria Plans - BenefitsLink... Can a 403(b) tax shelter annunity be included in a salary reduction Sec 125 cafeteria plan avoiding social security tax on the employee TSA contribution. https://benefitslink.com/boards/topic/173-benefits-advice-re-the-millennium-bug/ Benefits advice re. the millennium bug - Retirement Plans in General - BenefitsLink Message Boards What benefits advice are you giving your employees regarding the millennium bug? retirement plans in general https://benefitslink.com/boards/topic/5035-personal-brokerage-accounts-in-401k-plans/ Personal Brokerage Accounts in 401(k) Plans - 401(k) Plans - BenefitsLink Message Boards I have a client that is interested in choosing a provider that offers personal brokerage accounts in their 401(k) plan. Can anyone share any experiences with... brokerage accounts personal plans benefitslink message https://benefitslink.com/boards/topic/69579-normal-retirement-service-vs-participation-years-for-vesting/ Normal retirement: service vs participation years for vesting - 401(k) Plans - BenefitsLink Message... Plan defines normal retirement as "the later of 59 1/2 or 5 years of plan participation". 100% vesting occurs at that point per the Plan. Plan defines a "year... https://benefitslink.com/boards/topic/69126-deceased-participant-rmd/ Deceased Participant RMD - Distributions and Loans, Other than QDROs - BenefitsLink Message Boards Just some clarification please... If an owner participant dies before the year end but after the RBD (I was told he is way past 72), the RMD should have been... https://benefitslink.com/boards/topic/3604-ira-early-withdrawing-without-penality/ IRA early withdrawing without penality? - IRAs and Roth IRAs - BenefitsLink Message Boards I have 3 IRA accounts one of which is a Roth. I now need income from this account, I have heard about taking a life expectancy draw by dividing the total IRA... ira early withdrawing without https://benefitslink.com/boards/topic/5983-safe-harbor-401k-plans/ Safe Harbor 401(k) Plans - Retirement Plans in General - BenefitsLink Message Boards As 1/1/99 approaches, there is more and more discussion (and interest) concerning safe harbor 401(k) Plans. Do you think it's a good idea? My preliminary... safe harbor in general k plans https://benefitslink.com/boards/topic/6577-there-is-a-bill-in-congress-to-make-457-plans-portable/ There is a bill in Congress to make 457 Plans portable. - Governmental Plans - BenefitsLink Message... I am separating from service from a Massachusetts college which has a 457 Plan. I've heard that there is a bill in Congress to make 457 plans portable to 403b... https://benefitslink.com/boards/topic/10628-inherited-ira-question/ Inherited IRA question - IRAs and Roth IRAs - BenefitsLink Message Boards IRA owner passed away April 14, 2001, at age 61. He had a 500,000 IRA. The estate was named the beneficiary. Son is sole heir and executor of the estate. Here... inherited ira question roth benefitslink https://benefitslink.com/boards/topic/3171-withdrawals-for-education-purposes/ Withdrawals for education purposes? - IRAs and Roth IRAs - BenefitsLink Message Boards What are the restrictions on withdrawing funds for education uses? I plan on investing $2k initially in a Roth and contributing about $1500 or more annually.... for education withdrawals purposes iras roth https://benefitslink.com/boards/topic/4957-deferrals-from-back-pay-award/ Deferrals from back pay award - 401(k) Plans - BenefitsLink Message Boards If a former employee receives a back pay award under ADEA, can that person defer a portion of the award into the former employer's 401(k) plan? (Apparently,... back pay deferrals award https://benefitslink.com/boards/topic/1037-list-of-erisa-employers/ list of ERISA Employers - Health Plans (Including ACA, COBRA, HIPAA) - BenefitsLink Message Boards Does anyone know how I go about getting a list of self-insured health plan employers in my area? It is Okaloosa County - Florida (panhandle). Thanks https://benefitslink.com/boards/topic/3917-safe-harbor-match-whos-doing-it/ Safe Harbor Match - Who's Doing It? - 401(k) Plans - BenefitsLink Message Boards I know that there has been much discussion re the "safe harbor" match and Notice 98-52. To the practitioners, are many of your clients considering the safe... https://benefitslink.com/boards/topic/9211-top-20-hce-group-can-a-change-be-made-to-use-it/ Top 20% HCE group - can a change be made to use it? - 401(k) Plans - BenefitsLink Message Boards I have an employer who should be using the top 20% group for testing, but they haven't been. Is it too late to change for 2000 testing? https://benefitslink.com/boards/topic/5547-415-limits-for-variable-annuities/ 415 limits for variable annuities - Defined Benefit Plans, Including Cash Balance - BenefitsLink... Is a 415 adjustment allowed for a variable annuity paid from a db plan? EG the monthly payment has increased, because of the stock market performance to... defined benefit plans variable annuities https://benefitslink.com/boards/topic/6742-can-a-corporation-be-half-safe-harbor/ Can A Corporation Be Half Safe Harbor - 401(k) Plans - BenefitsLink Message Boards Corp has two divisions - each has its own 401k plan. Plans each satisfy 410b and are tested separately. Can one of the Plans go safe harbor without the other? https://benefitslink.com/boards/topic/7076-cafeteria-administration-software/ Cafeteria administration software. - Cafeteria Plans - BenefitsLink Message Boards I am new to Cafeteria Plans but have been administering Qualified Retirement Plans for years. I am going to be taking over the administration of our clients... software plans cafeteria administration benefitslink message https://benefitslink.com/boards/topic/4668-profit-sharing-plan-that-has-not-been-funded-in-three-years/ Profit Sharing Plan that has not been funded in three years. - 401(k) Plans - BenefitsLink Message... We had a question arise as to what needed to be done with a profit sharing plan that has not been funded in three years. What are the penalties, if any, and... https://benefitslink.com/boards/topic/3958-top-heavy-contributions/ top heavy contributions - 401(k) Plans - BenefitsLink Message Boards The determination of whether a plan is top-heavy is made as of the last day of the plan year. The contribution to nonkey employees is the lesser of 3% or the... top heavy contributions k plans https://benefitslink.com/boards/topic/7256-proposed-repeal-of-25-415-limit-impact-on-age-based-plans/ Proposed repeal of 25% 415 Limit - Impact on Age-Based Plans - Cross-Tested Plans - BenefitsLink... I'm sure everyone has been following closely all of the proposed pension changes in the House and Senate this summer. One proposal in particular is to change... https://benefitslink.com/boards/topic/4021-need-help-with-410-b-calc-corrected-summary/ Need Help with 410 (b) Calc (Corrected Summary) - 401(k) Plans - BenefitsLink Message Boards Company has 2 401 (k) Plans. Plan 1 benefits only the employees of Division A. Division B is excluded by class. Eligibility for this Plan is age 21/1 year of... https://benefitslink.com/boards/topic/8572-controlled-group-and-standardized-adoption-agreements/ Controlled Group and Standardized Adoption Agreements - Correction of Plan Defects - BenefitsLink... Two separate entities constitute a controlled group and each of them have maintained separate (almost identical)plans. Both are on Standardized Prototype... controlled group of plan standardized adoption https://benefitslink.com/boards/topic/80117-insurance-paid-by-deferrals-ps-58-needed/ insurance paid by deferrals... PS-58 needed? - 401(k) Plans - BenefitsLink Message Boards Taking over a plan where some participants have insurance policies (the broker "forgot" to mention that, grrrrr). I asked about PS 58 costs and the sponsor... https://benefitslink.com/boards/topic/80879-vp-sales-consultant/ VP, Sales Consultant - Employee Benefits Job Opportunities - BenefitsLink Message Boards for FuturePlan, by Ascensus (Remote / CA)View the full text of this job opportunity vp sales employee benefits job opportunities consultant benefitslink https://benefitslink.com/boards/topic/69581-elective-deferrals-subject-to-a-substantial-risk-of-forfeiture/ Elective deferrals subject to a substantial risk of forfeiture? - 409A Issues - BenefitsLink... Under a nonqualified 409A plan, must elective deferrals be 100% vested at all times - and only nonelective contributions may be subject to a vesting schedule?... subject to https://benefitslink.com/boards/topic/1893-check-writing-services-needed/ Check writing services needed - Communication and Disclosure to Participants - BenefitsLink Message... Our company is in search of a company in California that could provide check writing srvices for a client of ours. The checks would be on the client's retirees... check writing services needed communication https://benefitslink.com/boards/topic/4137-amending-mppp-to-401k/ Amending MPPP to 401(k) - 401(k) Plans - BenefitsLink Message Boards Can a Money Purchase Pension Plan be amended to 401(k)? Non-profit organization currently has MPPP to which employer makes contributions and a 403(B) to which... amending mppp k plans message https://benefitslink.com/boards/topic/1241-stop-loss-premiums-paid-through-veba/ Stop loss premiums paid through VEBA - Health Plans (Including ACA, COBRA, HIPAA) - BenefitsLink... If an employer purchases stop loss coverage for a self-funded health plan with VEBA funds (instead of from employer's general assets), is there an... https://benefitslink.com/boards/topic/6519-how-independent-does-an-accountant-have-to-be-to-do-an-aud/ How "independent" does an accountant have to be to do an aud - Form 5500 - BenefitsLink Message... We have a client who will need to have an audit done. The client (employer) would like to engage the CPA firm that handles the corporate books. Is that... https://benefitslink.com/boards/topic/14863-roth-ira-rules-for-us-citizen-living-in-canada/ Roth IRA Rules for US Citizen Living in Canada - IRAs and Roth IRAs - BenefitsLink Message Boards Can a US citizen living in Canada hold a Roth IRA? Upon moving to Canada two months ago, I was told by my current custodian that I would have to take the... https://benefitslink.com/boards/topic/6175-nscc-link-for-quantech/ NSCC link for Quantech - Investment Issues (Including Self-Directed) - BenefitsLink Message Boards For those interested, there is an NSCC link available through Vertical Management Systems, located in CA. Send me an e-mail and I can give you more details. https://benefitslink.com/boards/topic/59548-erisa-benefit/ ERISA Benefit? - Other Kinds of Welfare Benefit Plans - BenefitsLink Message Boards Employer with many drivers provides access to counseling for alcohol issues by means of an Employee Assistance Program. But rather than offering the EAP in the... other kinds welfare plans erisa benefit message https://benefitslink.com/boards/topic/1600-jewish-holidays/ Jewish Holidays - Miscellaneous Kinds of Benefits - BenefitsLink Message Boards My employer gives all the other employees the Jewish holidays off, but not me ( I'm christian). I am salaried, but so is one of the employees receiving the... jewish holidays kinds of miscellaneous benefits message https://benefitslink.com/boards/topic/81-plan-design-for-younger-owner-of-small-firm/ Plan Design for Younger Owner of Small Firm - Retirement Plans in General - BenefitsLink Message... Is there a plan design which will enable contributions to favor the younger ER whose employees are all older than the ER? Is there a "reverse" cross tested... retirement plans in general https://benefitslink.com/boards/topic/8612-457k-withdrawal/ 457k withdrawal - Distributions and Loans, Other than QDROs - BenefitsLink Message Boards Is it possible to make an in-service withdrawal from a 457K plan to cover credit card debt or a home equity line of credit? other than withdrawal distributions loans https://benefitslink.com/boards/topic/7236-timing-expectations-of-new-proposed-and-final-regs/ TIMING EXPECTATIONS OF NEW PROPOSED AND FINAL REGS - Cafeteria Plans - BenefitsLink Message Boards DOES ANYONE HAVE AN IDEA OF WHEN WE MIGHT EXPECT THE FINALIZED REGULATION CHANGES AND IF THE EFFECTIVE DATE WILL REMAIN JAN 1, 2001. ANY INFORMATION YOU CAN... https://benefitslink.com/boards/topic/4633-qnecs-under-a-davis-bacon-prevailing-wage-plan/ QNECS under a Davis Bacon Prevailing Wage Plan - 401(k) Plans - BenefitsLink Message Boards Our client sponsors a 401(k) Plan. As they are a construction firm handling several Davis-Bacon jobs they recently joined a multi-employer Prevailing Wage plan... https://benefitslink.com/boards/topic/4384-negativepassive-enrollment-in-401k/ Negative/Passive Enrollment in 401(k) - 401(k) Plans - BenefitsLink Message Boards Please share your experience with negative or passive enrollment in a 401(k) plan? Would you recommend implementing it to others? What was employee response?... negative passive enrollment k plans