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Mepiper asks:

<<1. how long does an employer have to invest employee contributions? ( 1 mo., 3mo,?)>>

The employer has until the 15th business day of the month following the month the contribution was deducted from the employee's paycheck.

<<2.Can a employer act as trustee?
3. Can employer determine if a employee may take a loan other than for hardship?
4. Can a employer determine when distributions can be made, except at retirement?>>

Yes to all. As to loans and in-service distributions, those provisions and their requirements will be contained in the plan documents when they are allowed.

<<You can have ---reg. ira, Roth ira, and 401k as long as you meet requirements as to income and amount invested?>>



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