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Dottie the florist has 3 full time employees. Dottie would like to install a retirement plan for her 3 full-time employees but would like to

Dottie the florist has 3 full time employees.  Dottie would like to install a retirement plan for her 3 full-time employees but would like to be able to make flexible contributions due to uneven cash flow.  


However, each Valentine's day and Mother's day, a group from the local Women's club comes and helps make bouquets.  It is usually the same ladies that come back part-time every year. 



Dottie wants to know which plan best fits her needs and why?

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