Final answer:
A participant must have written spousal consent to withdraw a lump-sum distribution from a qualified plan if the amount exceeds (c) $5,000, according to the Retirement Equity Act.
Step-by-step explanation:
The question pertains to the rules regarding spousal consent for distributions from a qualified retirement plan. These plans are designed to provide retirement income and are subject to specific regulations, including conditions for withdrawal.
The correct answer to this question can be found under the Retirement Equity Act which stipulates that a participant must obtain the consent of their spouse to withdraw a lump sum from their qualified plan if that sum is over $5,000.