Thanks for your response. "Yes" to all your questions except the testing for top-heaviness - this is a "safe harbor" 401k, which requires that I contribute a minimum of 3% for all employees, so I can avoid the testing. I have a third party administrator who has obtained a trust tax ID number and who will be filing the tax forms.I understand the importance of diversity in investment choices, but can you give me some specifics? What funds would you recommend? Thanks.
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