Mid-year testing allows you to estimate your plan's year-end compliance testing results in your online employer portal. You can access this feature from your portal and run the test as often as you'd like until November 1, 2026.

While you are not required to use the feature, doing so helps identify potential plan compliance issues early, allowing time to make proactive adjustments during the remainder of the year and avoid costly year-end corrections or refunds. It supports smoother plan administration and stronger saver satisfaction.

Should You Run a Mid-Year Test for Your Plan?

You should run a mid-year test if any of the following apply to you:

• Plans that have an optional matching contribution (not a required contribution, such as a safe harbor plan).
• Plans whose owners/HCEs have maxed out their contributions.
• Plans whose owners/HCEs contribute a higher percentage of their paycheck than non-highly compensated employees.

How to Access Mid-Year Testing in Your Portal

1. Log in to your employer portal and navigate to the "My Plan" page.
2. Click the "Annual Testing" tab.
3. You will see a box titled, "2026 Mid-Year Estimated Testing."
4. Select Review to start the mid-year testing process.

Note: If you have already completed the mid-year testing process and would like to rerun the test, you will see the option to select Review Data and Test.

How to Fix a Failed Mid-Year Test

ADP/ACP Test Failure

• Reduce or stop owner/HCE contributions (this is the money that comes from employee paychecks).
• Be prepared for a refund based on how much owners/HCEs contributed to the plan.
• Amend the plan to add a safe harbor provision for future plan years to avoid this test going forward.

Top Heavy Test Failure

• Prepare to allocate 3% of each eligible employee's compensation at the start of the following plan year, as either a profit-sharing or QNEC allocation.

How to Add or Edit Incorrect Census Data

Data on the census grid is not editable. Please follow the steps below to adjust the data and rerun the test:

• To add any missing hours or gross compensation, you may submit an off-cycle contribution file.
• To add a missing employee, you may follow the instructions outlined here.
• To correct an employee's employment data (e.g., date of hire, date of termination, etc.), please navigate to the "Employees" tab and follow the steps outlined here.

These updates will be processed immediately, so you may rerun the test without delay.

Disclaimer: This is not a formal ADP test. Mid-year testing results are inherently preliminary; by its nature, any compliance test can only be based on data as of the end of your plan year. We created this feature to give you a general sense of what your additional contributions to the plan could be to help avoid an unexpected expense. Results may change based on participant activity throughout the remainder of the year. Test results may be impacted by the following:

• Changes in compensation or savings rates
• End-of-year contributions
• Misclassifications of your employees as HCEs or NHCEs