Intent Summary
Configuration received from Intent(k). Review before generating.
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Technical Assumptions
Adjust testing parameters. These defaults work for most plans.
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EBAR & Testing Parameters
Standard: 65. Range: 55-75
Standard: 8.5%. Used for EBAR projections
92% = industry standard (matches professional TPA systems). Regulatory minimum is 70%.
Prior Year uses last year's NHCE rates
Most plans use §415 Safe Harbor
First-year plans: use 3%
Match contribution rate
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Contribution Adjustments
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Plan Design Levers
TPA TOOLS
These allocation conditions are plan document provisions that reduce employer cost. They default to OFF (most plans don't use them). Toggle ON to model the cost impact — the engine will show exactly how much each lever saves.
Participant must be employed on 12/31 to receive a PS allocation. Excludes mid-year terminations. Exceptions for death, disability, and retirement. Owners always exempt.
Participant must complete 1,000+ hours of service during the plan year to receive a PS allocation. Catches part-timers and late-year hires. Owners always exempt.
Stronger than the toggle above — removes all HCEs (except owners) from PS allocations entirely. Useful when a highly-paid non-owner employee inflates costs without being an owner.
Only count compensation earned after the participant's plan entry date. Mid-year entrants receive a prorated PS allocation based on months of participation.
Exclude overtime, bonuses, and commissions from the compensation used for PS allocation calculations. Reduces allocation base for affected participants (~10% reduction). Must apply uniformly within a class.
Split NHCEs into B1 (critical — gets owner's rate) and B2 (gateway — gets minimum). Can save money when some NHCEs are older than the owner, but typically costs MORE because critical NHCEs receive the full owner rate. Default OFF gives all NHCEs the same minimum rate — usually the cheapest approach.
When non-vested participants terminate, how are their unvested balances used?
Plan Design Results
Generated plan design and compliance analysis
Scenario Comparison
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