HR Experts can provide general information about IRS requirements for nondiscrimination testing, but they cannot assist with case-specific testing issues. For detailed analysis of your organization's specific testing data or results, you'll need to work with legal counsel and tax advisors.

What Experts Can Help With

General Education – Explain what nondiscrimination testing is and why it's required for retirement plans and cafeteria plans.

IRS Requirements – Provide general information about IRS rules and testing categories (e.g., ADP, ACP, top-heavy testing).

Compliance Overview – Explain which plans require testing and general timelines for completing tests.

Process Guidance – Outline typical steps organizations take to conduct testing.

What Experts Cannot Do

Experts cannot:

• Comment on case-specific testing issues for your organization
• Review your specific testing data or test results
• Analyze whether your plan passed or failed specific tests
• Recommend specific ways to resolve testing failures
• Provide tax advice related to testing outcomes

Why These Limitations Exist

Nondiscrimination testing involves complex tax law and can have significant financial and legal implications. Specific testing analysis, result interpretation, and corrective action recommendations require licensed tax and legal professionals who can:

• Review your complete plan documents and data
• Analyze your specific employee demographics and compensation structures
• Provide advice tailored to your organization's unique situation
• Take responsibility for recommendations with tax and legal consequences

Who to Contact for Specific Testing Help

For case-specific testing analysis and corrections:

• Your plan administrator or third-party administrator (TPA)
• ERISA attorney
• Tax advisor or CPA specializing in retirement plans
• Benefits consultant with testing expertise

When to Use HR Experts

Contact HR Experts when you need to:

• Understand nondiscrimination testing requirements generally
• Learn which types of plans require testing
• Get general guidance before engaging specialized professionals
• Understand compliance timelines and general best practices

→ See: What kind of expert support is available with Ultimate tier? for complete expert support overview.

→ See: What is outside the scope of HR Expert support? for all scope limitations.

Availability

SHRM-certified HR consultant access is available exclusively with Compliance Ultimate tier.