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Mid-Year Testing

  • Updated

Mid-year testing allows you to estimate your plan’s year-end compliance testing results, specifically for ADP testing, 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, 2025.

While you are not required to use the feature and conduct a mid-year ADP test, 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 participant satisfaction.

How to Access Mid-Year Testing in Your Portal

  1. Log in to your portal and navigate to the “My Plan” page.
  2. Click the “Annual Testing” tab.
  3. You will see a box titled, “2025 Mid-Year Estimated ADP Test.”
  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 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

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