Question: Latoya is a 25-year-old self-employed in her dog-grooming business, which has been growing too fast for her to keep up with the work. She just hired her 19-year-old sister, Francine, to help out in the business. Latoya wants to start a 401(k) this year so that she can accumulate retirement funds. Must she include Francine in the 401(k) plan?