Can somone give me clarification on how often employees can sign up for a SIMPLE IRA? We have a plan set up with American Funds with an effective date of 9/30/2018. Eligibility says all employees receiving at least $1 in comp during any 1 prior years and who are reasonable expected to receive at least $1 in comp during the current year. In addition to the 60-day preceding the first day of the plan year, a participant may make or amend his or her salary deferral elections quarterly. American Funds is telling me that enrollment is only 11/2-12/31 each year and someone else is telling that they can enroll quarterly. If anyone could provide clarification, I would greatly appreciate it. Thanks so much.