401(k) Plans

19,461 topics in this forum

1. SCP, VFCP, or None of the Above

   By Catch22PGM, 3 hours ago   

   • correction method
   • scp
   • (and 1 more)

     Tagged with:

     • correction method
     • scp
     • vfcp
   • 2 replies
   • 14 views
   • 
   • Paul I
   • 41 minutes ago

2. How long to keep documents relating to 401(k)?

   By Miles Leech, 23 hours ago
   • 6 replies
   • 212 views
   • 
   • Peter Gulia
   • 2 hours ago

3. Deemed Distribution - Good test question for the pension geeks!

   By Brenda Wren, Tuesday at 11:15 PM
   • 10 replies
   • 348 views
   • 
   • Peter Gulia
   • 17 hours ago

4. Late Contribution Correction Question

   By khn, July 2
   • 4 replies
   • 320 views
   • 
   • Cherry Park Advisory
   • 17 hours ago

5. Loan Payments on W-2 as Roth

   By Kattdogg12, 19 hours ago
   • 0 replies
   • 65 views
   • 
   • Kattdogg12
   • 19 hours ago

6. Roth Recharacterization timing for ADP failures

   By ComplianceGeek, yesterday at 05:18 PM
   • 0 replies
   • 92 views
   • 
   • ComplianceGeek
   • Yesterday at 05:18 PM

7. SH 3% – Can We Exclude a W-2 Contractor Mid-Year?

   By kimso, Monday at 01:44 PM
   • 8 replies
   • 307 views
   • 
   • Paul I
   • Yesterday at 02:01 PM

8. minimal underpmt of 401(k), but participant already termed & distributed

   By TPApril, Sunday at 09:02 PM
   • 7 replies
   • 359 views
   • 
   • Artie M
   • Monday at 07:14 PM

9. HCE requests full distribution but plan always fails ADP

   By Lou81, Monday at 12:02 PM
   • 4 replies
   • 345 views
   • 
   • BG5150
   • Monday at 05:14 PM

10. Correcting Excess Investment Advisor Fees Charged to Participant Accounts

    By Footnote12, July 1   

    • correction of plan defects
    • 1 reply
    • 314 views
    • 
    • Peter Gulia
    • July 2

11. Self Employed, 2 businesses, 415 limit

    By LMK TPA, June 29
    • 8 replies
    • 394 views
    • 
    • LMK TPA
    • July 1

12. Safe Harbor vs Solo 401k Conversion

    By bluehavana2, May 10, 2025
    • 10 replies
    • 2.3k views
    • 
    • rikkiphillipson
    • July 1

13. Different Types of Profit Sharing Plans?

    By mming, June 27
    • 1 reply
    • 274 views
    • 
    • Peter Gulia
    • June 27

14. Changing Eligibility... and then again

    By Basically, June 26
    • 2 replies
    • 498 views
    • 
    • HRagain
    • June 26

15. Participant Loans 101

    By austin3515, September 25, 2025
    • 6 replies
    • 2.3k views
    • 
    • ESOP Guy
    • June 26

16. Ambiguous Beneficiary Designation -- Time for Interpleader?

    By Interested Party, June 23
    • 9 replies
    • 502 views
    • 
    • mming
    • June 25

17. Updated Safe Harbor Notice for Comp exclusion required when Notice language not directly impacted?

    By Abby N, June 9
    • 4 replies
    • 333 views
    • 
    • Abby N
    • June 24

18. Active Employee Showing as Terminated — Eligibility File Correction Process

    By Itsamario, June 23   

    • eligibility payroll, recordkeeper, deferrals, data feed
    • 2 replies
    • 378 views
    • 
    • CuseFan
    • June 24

19. 401(k) Provisions added to Profit Sharing Plan effective 8/1/2026

    By Dougsbpc, June 22
    • 1 reply
    • 332 views
    • 
    • Paul I
    • June 23

20. Dual eligibility for different classes

    By 30Rock, June 16
    • 8 replies
    • 423 views
    • 
    • FORMER ESQ.
    • June 18

21. Timing of Hours for Vesting

    By effingeh, June 16
    • 1 reply
    • 488 views
    • 
    • John Feldt ERPA CPC QPA
    • June 16

22. Compensation Ratio Testing - Pre-entry Compensation

    By ERISAtoday, June 16
    • 0 replies
    • 222 views
    • 
    • ERISAtoday
    • June 16

23. SECURE 2.0 Model Amendments

    By youngbenefitslawyer, June 12
    • 1 reply
    • 284 views
    • 
    • Lauren0507
    • June 16

24. Using own forfeiture for own top heavy min

    By TPApril, May 26
    • 13 replies
    • 796 views
    • 
    • justanotheradmin
    • June 15

25. Participant Fee Disclosures

    By Pammie57, June 10
    • 4 replies
    • 646 views
    • 
    • JonC
    • June 12

26. Leased Employees- Partial Plan Termination

    By Coleboy1, June 12
    • 2 replies
    • 459 views
    • 
    • Paul I
    • June 12

27. Is there a missed deferral opportunity?

    By PensionPro, June 10
    • 5 replies
    • 424 views
    • 
    • BG5150
    • June 12

28. 401k Plan Referral with No Plan Document In Place

    By Emily, June 9
    • 7 replies
    • 798 views
    • 
    • Paul I
    • June 11

29. Failed ADP test discovered late

    By ConnieStorer, June 8
    • 8 replies
    • 487 views
    • 
    • ConnieStorer
    • June 11

30. Life Insurance Rollovers

    By 401k Conundrums, May 28
    • 9 replies
    • 764 views
    • 
    • FPGuy
    • June 10

31. Excess Contribution - Safe Match must be Funded

    By Vlad401k, June 5
    • 7 replies
    • 415 views
    • 
    • Artie M
    • June 9

32. switching from 5500-SF to full 5500

    By Pixie, February 4
    • 3 replies
    • 646 views
    • 
    • BG5150
    • June 9

33. Mid-Year Change for 401(k) Safe Harbor

    By Transplant, January 13
    • 5 replies
    • 2.1k views
    • 
    • justanotheradmin
    • June 9

34. Form 5500 - Schedule D Reporting

    By FishOn, May 26
    • 4 replies
    • 761 views
    • 
    • Cherry Park Advisory
    • June 9

35. 5500-EZ Penalty Relief Program--Question

    By marco100, February 15
    • 4 replies
    • 902 views
    • 
    • marco100
    • June 6

36. Participant loans - part of a vested balance or no?

    By blguest, June 2
    • 6 replies
    • 746 views
    • 
    • QDROphile
    • June 4

37. “To the person I am married to at the time of my death”

    By Peter Gulia, June 2
    • 9 replies
    • 595 views
    • 
    • Peter Gulia
    • June 4

38. Loan Repayment

    By Bruce1, June 2
    • 5 replies
    • 510 views
    • 
    • fmsinc
    • June 4

39. Safe Harbor Nonelective contribution required with 1.401(a)4-11(g) Amendment?

    By Dougsbpc, June 3
    • 1 reply
    • 257 views
    • 
    • Bri
    • June 3

40. partners forgot to deposit deferrals

    By AlbanyConsultant, June 1
    • 15 replies
    • 1.1k views
    • 
    • David D
    • June 2

41. ASC documents?

    By J Simmons, May 12
    • 1 reply
    • 191 views
    • 
    • J Simmons
    • June 2

42. How shifting(borrowing) works for the following ACP failure?

    By Sarah73, June 1
    • 2 replies
    • 267 views
    • 
    • Bri
    • June 2

43. Question for the TPA / DC compliance folks here

    By Itsamario, June 1
    • 0 replies
    • 442 views
    • 
    • Itsamario
    • June 1

44. Hardship Withdrawal for Primary Residence

    By EPCRSGuru, May 27
    • 4 replies
    • 693 views
    • 
    • Brenda Wren
    • May 29

45. Principal Residence for Hardship Distribution - travel trailer

    By TPA Bob, May 21
    • 5 replies
    • 659 views
    • 
    • Peter Gulia
    • May 21

46. SH dual eligibility and TH question

    By BG5150, May 19
    • 3 replies
    • 329 views
    • 
    • Bri
    • May 21

47. 401k correct fix for example below

    By HRagain, May 18
    • 5 replies
    • 576 views
    • 
    • John Feldt ERPA CPC QPA
    • May 21

48. Date of Entry

    By 52626, April 28
    • 6 replies
    • 618 views
    • 
    • Bruce1
    • May 20

49. Determination of compensation for Roth catch-up for 2026

    By Jakyasar, May 18
    • 7 replies
    • 664 views
    • 
    • Peter Gulia
    • May 19

50. 2024 Non Elective Safe Harbor not deposited

    By D Lewis, May 15
    • 7 replies
    • 684 views
    • 
    • BG5150
    • May 18