Universal Availability Notices for 403(b) Plans

The Universal Availability rule requires that if a 403(b) plan permits any employee to make salary deferrals to the plan, it must offer the same opportunity to all employees (with limited exclusions). If treatment for bph cialis an organization has failed to comply with this rule, it can self-correct by giving each eligible employee the opportunity to participate. The organization must also make employer contributions to restore improperly excluded eligible employees’ lost opportunity to make salary deferrals. Failure by an organization to correct such error could result in loss of favorable tax benefits fake cialis for the plan and the employees.

This is a reminder that if you

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all eligible employees. While there is no guidance in the IRS regulations regarding when to provide this notice, we recommend that you provide it to current employees annually, and you should also retain a copy in your new hire enrollment kit for new employees who are eligible to participate.

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Click Here for a Word version of the Universal Availablity Notice