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What Is a Letter of Determination?

By Robin Hartill, CFP – Updated Oct 12, 2025 at 10:17PM

Key Points

  • A letter of determination confirms a retirement plan's tax-advantaged status under ERISA.
  • Employers using pre-approved plans generally don't need a determination letter.
  • A determination letter doesn't assure a plan meets nondiscrimination requirements.

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