Federal regulations require that NADART perform annual Top Heavy Testing on your retirement plan to determine whether or not more than 60% of the plan assets are held by key employees.

Top Heavy Testing Administrative Manual Section

Find all the details of every aspect of the testing process.

Top Heavy Testing vs. CNT - What`s the Difference? (pdf)

If you`ve ever been confused about the differences between Contribution Nondiscrimination Testing and the Top Heavy Testing, this document will clarify the differences.

Top Heavy Plans (pdf)

Your plan is shown as being top heavy. What happens now? This document will help determine what steps should be taken.

Top Heavy Instructions (pdf)

Provides information on the material given to you in your Top Heavy Testing package.