Can the SIMPLE-IRA be established if certain employees do not wish to participate? YesA SIMPLE does allow for deferrals but there is no requirement that everyone participate. If they chose not to participate then the employer would not have to make a contribution for them.That is the problem with the SEP and/or money purchase plan. There is one employee that does not wish to participate, therefore none of us can participate in those plans NOT TRUEA SEP or money purchase is funded by EMPLOYER contributions. Hence, no deferrals, no need to ask if anyone wants to participate or not. As long that one person is not the boss. <GRIN>If the recalcitrant person would rather have his contribution in salary then that is not allowed. The percentage has to be the same for everyone. buzman
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