The taxpayer covered by an employer retirement plan in 2020 who may qualify for a full deduction of their traditional IRA contribution is:

1.Andres, who files single with modified adjusted gross income of $66,025.

2.Ross, who is filing a joint return as a surviving spouse with modified adjusted gross income of $94,000.

3.Darius, who files head of household with modified adjusted gross income of $66,000.

4.Joy, who is married filing a joint return with modified adjusted gross income of $104,500.

***This is the exact question and answers on test. Nothing is missing.***