Cisco SAFE HARBOR

I have 4 employees, earning between 70,000 and 120,000 per year. 2 of those employees are owners (my husband & self, both over 50) Specifically, how much do I have to pay into the 401k for the other 2 employees...

Also, if an employee is terminated before year end is it still necessary to fund their match?

If an employer notifies participants that they MAY contribute a 3% nonelective contributions - then provides a supplemental notice, can the contribution be 2% of compensation? Will the plan remain safe harbor if...

Why the look back year and this year, if an employee earned $120,000 in 2007 but leaves the company in May 2008 with an income of $50,000 do we have to match 2008 contributions?

Are safe harbor contributions made by the company considered part of the total maximum investment that can be made or are they in addition to the maximum limits, e.g. $20,500 for employees over 55? Also are...