GRTTM

GRTTM is PFPC's General Rule Testing system for 401(a)(4) and 410(b) non-discrimination tests. It is a comprehensive, parameter-driven system.

GRT has been in use since 1993, making it one of the most experienced 401(a)(4) and 410(b) commercial testing systems.

GRTGRT

GRT determines HCEs, normal and most valuable accrual rates, or you may override them in the data. Non-benefiting and non-participating HCEs may be entered as total counts.

You select which test or combination of tests to run. For the 401(a)(4) test, you choose interest and mortality assumptions. You also have the option to use individual accrual rates or rate bands, specifying the width of the most valuable bands and band starting points. Plans may be aggregated for testing. DC plans may be cross-tested as DB plans or vice versa.

GRT has flexible data input and output. It imports data from DBVAL II and DCVAL, as well as ASCII text files from other sources. You may export accrual rates and rate segments to spreadsheets for further analysis or reporting. GRT generates reports detailing accrual rates, rate bands and rate segments.
Training Classes

Defined Benefit 401(a)(4) Tests

  • Annual
  • Accrued-to-date
  • Projected
All with and without permitted disparity

Defined Contribution 401(a)(4) Tests

  • Employer matching contributions
  • Employer profit-sharing without permitted disparity
  • Employer profit-sharing with permitted disparity
  • ESOP

Cross-Tests

  • Defined contribution allocations converted to annuities
  • Defined benefit plan tested as defined contribution

Multiple plan testing

  • Aggregate multiple DB or DC plans
  • Combine multiple DB and DC plan and test as either DB or DC

410(b) tests

  • Participation test
  • Ratio percentage test

Reports

  • Individual accrual rate calculations
  • For DB plans, tables of conversion factors are generated and the age loop for most valuable benefit is detailed
  • Lists rate bands and rate segments used for grouping employees
  • Detailed report of rate group breakdown
  • 410(b) employee participation/exclusion breakdown

Request information on any of our DB products...

Common features of our DB products...

back to top

privacy policy  |   text only  |   site map              

© 2001 PFPC Worldwide Inc. All rights reserved.
A member of The PNC Financial Services Group

 
 
 
 
 

GRT Features

Defined Benefit 401(a)(4) Tests

Defined Contribution 401(a)(4) Tests

Cross-Tests

Multiple plan testing

410(b) tests

Reports

Screenshots
Menu tree structure
Click images to enlarge
Actuarial Assumptions