If you go to that link, and click the "covered by a retirement plan" hotlink, it says that "You’re covered by an employer retirement plan for a tax year if your employer (or your spouse’s employer) has a: Defined contribution plan (profit-sharing, 401(k), stock bonus and money purchase pension plan) and any contributions or forfeitures were allocated to your account for the plan year ending with or within the tax year..."
Doesn't this suggest that, if no contributions are made to the account, I am not "covered"?
