Monarch Machines matches employee deferral contributions 100% up to 6% of deferred compensation. If James, a highly compensated employee, earns $220,000, what is the maximum he could receive as an employer match if the ADP of the non-highly compensated employees (NHCs) is 4% in 2023? Which type of vesting schedule must a non-top-heavy profit-sharing plan use under PPA 2006? 2- to 6-year graduated. 5-year cliff. 1- to 4-year graduated. 3- to 7-year cliff