PROTOTYPE DEFINED CONTRIBUTION PLANEquity Contribution Agreement |
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Exhibit 10.4
PROTOTYPE DEFINED CONTRIBUTION PLAN
Sponsored By
SBERA
BASIC PLAN DOCUMENT #01
DECEMBER 2001
THIS DOCUMENT IS COPYRIGHTED UNDER THE LAWS OF THE UNITED STATES. ITS USE, DUPLICATION OR REPRODUCTION, INCLUDING THE USE OF ELECTRONIC MEANS, IS PROHIBITED BY LAW WITHOUT THE EXPRESS CONSENT OF THE AUTHOR.
TABLE OF CONTENTS
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PARAGRAPH |
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PAGE |
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ARTICLE I |
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DEFINITIONS |
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1.1 |
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Actual Contribution Percentage (ACP) |
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1 |
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1.2 |
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Actual Deferral Percentage (ADP) |
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1 |
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1.3 |
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Adoption Agreement |
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2 |
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1.4 |
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Aggregate Limit |
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2 |
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1.5 |
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Allocation Date(s) |
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2 |
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1.6 |
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Annual Additions |
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2 |
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1.7 |
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Annuity Starting Date |
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3 |
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1.8 |
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Applicable Calendar Year |
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3 |
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1.9 |
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Applicable Life Expectancy |
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3 |
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1.10 |
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Average Annual Compensation |
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3 |
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1.11 |
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Average Contribution Percentage (ACP) |
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3 |
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1.12 |
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Average Deferral Percentage (ADP) |
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4 |
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1.13 |
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Beneficiary |
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4 |
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1.14 |
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Break In Service |
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4 |
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1.15 |
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Code |
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5 |
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1.16 |
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Compensation |
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5 |
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1.17 |
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Covered Compensation |
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8 |
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1.18 |
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Custodian |
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8 |
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1.19 |
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Davis-Bacon Act |
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8 |
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1.20 |
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Defined Benefit Plan |
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8 |
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1.21 |
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Defined Benefit (Plan) Fraction |
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8 |
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1.22 |
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Defined Contribution Dollar Limitation |
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8 |
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1.23 |
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Defined Contribution Plan |
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9 |
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1.24 |
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Defined Contribution (Plan) Fraction |
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9 |
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1.25 |
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Direct Rollover |
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9 |
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1.26 |
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Disability |
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9 |
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1.27 |
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Distribution Calendar Year |
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9 |
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1.28 |
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Early Retirement Age |
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9 |
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1.29 |
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Early Retirement Date |
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9 |
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1.30 |
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Earned Income |
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10 |
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1.31 |
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Effective Date |
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10 |
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1.32 |
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Election Period |
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10 |
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1.33 |
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Elapsed Time |
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10 |
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1.34 |
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Elective Deferrals |
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10 |
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1.35 |
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Eligible Employee |
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10 |
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1.36 |
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Eligible Employer |
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10 |
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1.37 |
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Eligible Participant |
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11 |
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1.38 |
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Eligible Retirement Plan |
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11 |
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1.39 |
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Eligible Rollover Distribution |
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11 |
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1.40 |
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Employee |
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11 |
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1.41 |
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Employer |
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12 |
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1.42 |
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Entry Date |
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12 |
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1.43 |
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ERISA |
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12 |
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1.44 |
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Excess Aggregate Contributions |
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12 |
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1.45 |
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Excess Annual Additions |
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12 |
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1.46 |
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Excess Contribution |
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13 |
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1.47 |
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Excess Elective Deferrals |
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13 |
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1.48 |
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Expected Year Of Service |
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13 |
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1.49 |
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First Distribution Calendar Year |
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13 |
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1.50 |
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Hardship |
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13 |
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1.51 |
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Highest Average Compensation |
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13 |
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1.52 |
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Highly Compensated Employee |
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13 |
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1.53 |
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Hour Of Service |
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14 |
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1.54 |
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Integration Level |
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14 |
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1.55 |
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Key Employee |
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15 |
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1.56 |
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Leased Employee |
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15 |
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1.57 |
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Limitation Year |
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15 |
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1.58 |
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Master Or Prototype Plan |
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15 |
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1.59 |
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Matching Contribution |
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15 |
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1.60 |
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Maximum Permissible Amount |
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15 |
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1.61 |
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Net Profit |
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16 |
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1.62 |
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Normal Retirement Age |
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16 |
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1.63 |
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Normal Retirement Date |
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16 |
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1.64 |
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Owner-Employee |
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16 |
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1.65 |
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Paired Plans |
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16 |
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1.66 |
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Participant |
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16 |
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1.67 |
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Participant’s Benefit |
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16 |
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1.68 |
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Period Of Severance |
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16 |
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1.69 |
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Permissive Aggregation Group |
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16 |
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1.70 |
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Plan |
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16 |
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1.71 |
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Plan Administrator |
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17 |
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1.72 |
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Plan Sponsor |
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17 |
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1.73 |
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Plan Year |
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17 |
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1.74 |
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Present Value |
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17 |
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1.75 |
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Prior Plan Year |
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17 |
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1.76 |
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Prior Safe Harbor Plan |
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17 |
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1.77 |
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Projected Annual Benefit |
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17 |
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1.78 |
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Projected Participation |
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17 |
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1.79 |
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Qualified Domestic Relations Order (QDRO Or Order) |
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18 |
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1.80 |
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Qualified Early Retirement Age |
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18 |
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1.81 |
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Qualified Joint And Survivor Annuity (QJSA) |
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18 |
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1.82 |
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Qualified Matching Contributions (QMACs) |
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18 |
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1.83 |
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Qualified Non-Elective Contributions (QNECs) |
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18 |
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1.84 |
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Qualified Plan |
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18 |
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1.85 |
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Qualified Pre-Retirement Survivor Annuity |
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18 |
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1.86 |
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Qualified Voluntary Contribution |
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19 |
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1.87 |
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Required Aggregation Group |
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19 |
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1.88 |
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Required Beginning Date |
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19 |
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1.89 |
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Required After-tax Contributions |
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19 |
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1.90 |
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Rollover Contribution |
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19 |
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1.91 |
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Salary Deferral Agreement |
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19 |
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1.92 |
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Savings Incentive Match Plan For Employees (SIMPLE) |
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19 |
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1.93 |
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Self-Employed Individual |
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19 |
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1.94 |
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Service |
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19 |
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1.95 |
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Severance Date |
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20 |
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1.96 |
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Severance Period |
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20 |
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1.97 |
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Service Provider |
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20 |
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1.98 |
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Shareholder Employee |
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20 |
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1.99 |
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Simplified Employee Pension Plan |
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20 |
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1.100 |
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Sponsor |
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20 |
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1.101 |
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Spouse |
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20 |
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1.102 |
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Stated Benefit Formula |
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20 |
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1.103 |
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Super Top-Heavy Plan |
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20 |
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1.104 |
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Taxable Wage Base |
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20 |
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1.105 |
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Top-Heavy Determination Date |
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20 |
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1.106 |
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Top-Heavy Plan |
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