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11. Latoya is a 25-year-old self-employed in her dog- grooming business, which has been growing too fast for her to keep up with the

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11. Latoya is a 25-year-old self-employed in her dog- grooming business, which has been growing too fast for her to keep up with the work. She just hired her 20-year-old sister, Francine, to help out in the business. Latoya wants to start a 401(k) this year so that she can accumulate retirement funds. Must she include Francine in the 401(k) plan?

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