FAQ 93: Budget--Design with owners and children not correct

Problem: I lowered the son's deferral, and expected this to lower the required non-HCE percentage. It did not. Group 1 415 Group 2 unknown (Includes HCEs children)

Solution: It looks as if reducing the owner's son's deferral should help the a4 test pass. It would only help if the test was "turning on" the ABPT, and in most cases it didn't. Suggested putting the child in their own group, Group 3, with a lower percent - to help it pass.