Foyle's Flyfishing has a defined benefit plan. Which of the following employees must be covered by thte plan? Frank, age 25 , with 6 months of service Flo, age 20 , with 2 years of service Fern, age 30 , with 3 years of service and is a member of the union None of these employees must be covered. Only Fern must be covered Only Frank must be covered All of these employees must be covered Only Flo must be covered Fabian has $1,000,000 in his qualified plan. In which of the following circumstances would a third party be able to alienate the assets within the qualified plan? I. Creditors in a personal bankruptcy II. A federal tax levy III. A qualified domestic relations order (QDRO) in favor of a former spouse II and III only I, II, and III III only I only II only