hard · Certified Financial Planner Tax Planning

The Fenwick family owns a business that uses a SEP IRA for retirement benefits. They hire a part-time employee who earns $1,200 in 2026.

Which of the following is true regarding this employee's eligibility for a contribution?

  1. The employer can exclude the employee if they have worked for the firm for only two of the last five years.
  2. The employee must be included in the plan because their compensation exceeds $800.
  3. SEP IRA contributions are only required for employees working more than 1,000 hours.
  4. The employee is excluded because they did not earn at least $5,000.

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