Bill’s company has 5 employees and they have a traditional safe harbor 401k plan. He is the owner and is 59.5. He has been maxing out his p/r deducted contributions each year, but the company only pays in the Safe Harbor 3% amount, no profit sharing. He wants to contribute his own after tax money to get the maximum amount into his 401k allowed by IRS, then take those after tax contributions and roll them into his Roth using the Mega Roth Conversion. He can do in-service rollovers from his 401k plan. I’m being told by his 3rd party administrator that he cannot do it because it may violate non-discrimination testing. Is that true? It seems as though since he is using his own after tax savings to fund his plan, the testing wouldn’t come into play. Can you help clear this up? Thank You