FAQ 507: 401a4--Multiple plans with different eligibility for gateway

Problem: Plan A has age 21 and 1 year of service across the board for all sources. Plan B has a 6 month service requirement for deferral, and age 21 and 1 year of service for safe harbor. How do you run the gateway test?

Solution: Code plan A to have Secondary Eligibility of age 21 and 1 year of service and check the safe harbor source under Use Secondary Eligibility. Then when running the 401a4 gateway test, choose "Secondary" in the Eligibility to use for test box. The test will then look at secondary eligibility for both plans.