To register for Relius Education seminars and conferences, please login or register for a new login account before proceeding. For more information, please see the Benefits of a Relius User Login Account. For assistance, please contact Client Services at 800-326-7235, and select Option 6.

Advanced Cross-Testing and Plan Design
Charlotte, NC - 11/18/2019 - 11/18/2019

View the Workshop Agenda in a pdf format.


8:00 a.m.
Registration Checkin, Danish and Coffee

8:30 a.m.
Client goals; plan alternatives
: Understanding and determining plan sponsor objectives; design alternatives appropriate for different situations

Behavioral economics and design choices to increase deferrals: This session takes a look at the reasons participants defer inadequate amounts and strategies to maximize participation. Topics include communication strategies, the impact of plan design and features; automatic enrollment; practical strategies to maximize the benefit of automatic enrollment; automatic escalation; employee education; matching contributions; impact of investment options on participation

Safe Harbor 401(k) plan design options: ADP safe harbor; ACP safe harbor; choice between match and non-elective; design alternatives; triple stacked match; early entry; top heavy exemption

12:00 p.m.

1:00 p.m.
Advanced cross-tested plan designs
: This session will include an in-depth review of cross-testing techniques and fundamentals with the intent of teaching the attendee practical strategies to maximize the benefits of cross-tested plan designs for plan sponsors of all types

Topics include: general test fundamentals and mechanics; testing by reference to benefits; average benefit test; minimum gateway contributions; group determination and structure; use with ADP tested 401(k); use with safe harbor 401(k); troubleshooting strategies, component plan restructuring

Retroactive corrective amendment: Use; deadlines; requirements; opportunities.

4:30 p.m.

NOTE: Back-to-back scheduling!
The Advanced Plan Design and Cross-Testing Workshop is followed on the next day by the Advanced 401(k) Topics Workshop. A multi-program registration discount is offered for those who wish to attend both programs at the same location. Attend both Workshops and enjoy the multiple-program discount – a $50 savings!

If you have questions or need more information, please send an email to