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How Can We Improve ADP/ACP Test Results Without Offering Safe Harbor?

DWC 06/18/19
QOTW - 6.18.2019 - How Can We Improve ADP ACP Test Results Without Offering Safe Harbor - Plan Compliance
Facts My architectural firm sponsors a 401(k) plan.  We have 38 architects and 2 administrative assistants.  We currently provide a matching contribution to participants and, some years, a profit sharing contribution too.  I’m reluctant to utilize a safe harbor design, because I really value the vesting schedule on our employer contributions to ...
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Can We Reduce the Number of HCEs in our Plan?

DWC 01/15/19
QOTW - 1.15.2019 - Can We Reduce the Number of HCEs in our Plan - Plan Compliance
Facts We set up our company 401(k) plan soon after we started our business.  At the time, we were a small tech company with only a couple of employees.  Over the years the company has grown exponentially, and business has been good to us…really good. Because of this, the demographics of our company have changed completely.  We have too many of our ...
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