Jack and Jill own a company that sponsors a 401(k) plan that has standard eligibility requirements. They have three full-time employees, including their son, Sam, who are all eligible for the plan. Based on the following employee census data, which of the statements below is correct?

Employee	Total Compensation	Elective Deferrals
Jack	$ 200,000.00	$ 10,000.00
Jill	$ 200,000.00	$ 10,000.00
Sam	$ 30,000.00	$ 6,000.00
Pat	$ 28,000.00	$-
Tom	$ 28,000.00	$ 2,800.00

1. What is the NHCE Average Deferral Rate? ________

2. What is the HCE Average Deferral Rate? ______

3. What is the maximum rate HCEs can defer in order for the plan to pass the ADP test?