FAQ 128: 401a4--How to include the safe harbor contribution in the test

Problem: This is a cross-tested safe harbor 401k plan. This plan makes the 3% non-elective safe harbor contribution. How do I get the a4 test to include the 3% safe harbor when calculating the minimum gateway test?

Solution: Check the box next to the safe harbor source under "Sources for Average Benefits Test" on the 401(a)(4) setup screen, along with the employer profit sharing source. It will then appear as an option in the gateway setup options. Check the box next to the safe harbor source there as well, and it will be included in the gateway test.