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Advanced Cross-Tested Plans Techniques - A 2-Part Program
Presentor: Derrin Watson Recorded Date: 11/30/2015 Duration: 120 Min.

This program was recorded during live presentations given on November 30 and December 1, 2015 at 12:00PM EST.

Restructuring, Age/Service Schedules, Banding, Family Members and More

Cross-tested profit-sharing and 401(k) plans are among the most popular plan designs today. They can aid a practitioner in tailoring a plan for the needs of a business and its workforce. But cross-testing is not a "one size fits all" design.

There are many approaches to a cross-tested plan, with very different outcomes. And unless a practitioner understands all the tools available for the plan, the practitioner may well provide a plan that is less effective or more costly than it could or should be.

SunGard’s new Advanced Cross-Tested Plans Techniques seminars adds to the tools practitioners have available to assist their clients. This program provides examples and explanations of advanced design and testing techniques to help practitioners achieve the best plan design, depending on a particular employer’s situation.

Plan now to attend and fill your toolbox with the strategies and knowledge that can help you design the right plan for your clients.

Topics include:

  • Restructuring into Component Plans
  • Using Family Members
  • Multiple Averaging Techniques
  • Minimum Gateway Contributions
  • Avoiding Minimum Gateways
  • Banding
  • Plan Design Options
  • Testing Alternatives; Imputing Permitted Disparity
  • 11(g) Amendments

There is no advanced preparation required for this intermediate level course. However, attendees must understand the fundamentals of how cross-tested plans work and satisfy nondiscrimination tests. The understanding should include an understanding of minimum gateway contributions, the average benefit test, rate group testing, and conversion of allocations to equivalent benefits. This knowledge can be obtained or refreshed through attending our Fundamentals of Cross-Tested Plans Web Seminar series.

Level: Intermediate

Instructional Delivery Method
Group – Internet-Based

Speaker: S. Derrin Watson, J.D.
Recipient of ASPPA's 2006 Educator of the Year Award

Objectives: At the conclusion of these programs, a participant should be able to:

  • Determine when and how to use restructuring
  • Restructure a plan using family members
  • Convert a failing cross-tested design into an contribution-tested design making effective use of permitted disparity and the disparity inherent in the general test
  • Compute EBARs using:
    • Average annual compensation
    • Average EBARs
    • Total account balance
  • Utilize banding to pass testing
  • Review other design and testing alternatives

Select the ""Fees"" link on the right side menu of this page for more information about who is authorized to connect to the program, and for the cancellation/transfer policy.

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Program Schedule (Eastern Time)
Monday, November 30, 2015
Tuesday, December 1, 2015
12:00 p.m. to 1:00 p.m. Eastern Time each day
(11:00 p.m. CT; 10:00 p.m. MT; 9:00 a.m. PT)