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    I agree. Each point takes about one page with tables included.

    For project1, how do you allocate employee payroll contributions?

    I think I should consider the salary factors.

    Is it allowed to adjust contribution based on age/gender factors?  I remember gender is not allowed in some insurance pricing, but age and area factors are.

    This is a self insured plan, not considered as insurance, so I think I can adjust for age/gender in EE contribution, right?