FIS Relius

This program was recorded during a live presentation on April 14, 2014.

Focused Topic 04:Troubleshooting Cross-Tested Plans
Restructuring, Age/Service Schedules, Banding, Family Members, and More
Mondays with Derrin and Steve

The cross-tested profit-sharing plan is among the most popular plan designs today. The plan design affords the practitioner the flexibility he/she needs to tailor a plan that meets the needs of the owners and the workforce. But cross-testing is sensitive to changing demographics. Often a practitioner is surprised by changes and he/she must know how to react to the changes.

There are many approaches to a cross-tested plan, with very different outcomes. Unless a practitioner understands all the tools available to the plan, the practitioner may well provide a plan that is less effective or more costly than it could or should be. This web seminar provides the practitioner the tools he/she needs to address issues that arise in a cross-tested plan.

Topics include:

• Restructuring into Component Plans
• Using Family Members
• “Each Participant in Own Classification”
• Combined Cross-Tested & 401(k) Designs
• Banding
• Testing Alternatives; Imputing Permitted Disparity
• 11(g) Amendments
• Age/service schedules

Level: Intermediate

Instructional Delivery Method
Group – Internet-Based

Speaker – Stephen W. Forbes, J.D., LL.M.
Author ofThe 5500 Filing Guide

Objectives: After the seminar, attendees should be able to:

1. Determine when restructuring a cross-tested plan will help
2. Restructure a plan using family members
3. Determine when rate banding can help a plan pass nondiscrimination testing
4. Understand the flexibility of “each participant in his/her own classification” plan design
5. Determine when to use an 11(g) amendment in a cross-tested plan
6. Utilize a gradual age and service schedule
7. Determine when to average EBARs
8. Determine when to average compensation

Hardware System Requirements:

• Windows Vista, Windows 7, or Windows 8
• Internet Explorer 8 or later, and set browser to allow pop-up windows.
• High-speed Internet connection.
• 1023 x 768 or higher display resolution.
• Soundcard and Speakers.

Software Requirements:

• Silverlight Version 4 is required. Silverlight Version 5 or higher is preferred.
• Silverlight 4 System Requirements Information: http://www.microsoft.com/getsilverlight/locale/en-us/html/installation-win-SL4.html
• Silverlight Downloading:
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• If you have questions or need assistance with accessing/downloading Silverlight, please contact your IT or MIS department.

Program related requests, questions, or concerns may be emailed to: relius.education@sungard.com.