401(k) Plans

19,473 topics in this forum

1. Separate Trust Document - Not a Requirement?

   By MrsMacias, 2 hours ago
   • 0 replies
   • 8 views
   • 
   • MrsMacias
   • 2 hours ago

2. Timing of Hours for Vesting

   By effingeh, June 16
   • 8 replies
   • 645 views
   • 
   • Christine Oliver
   • Yesterday at 01:44 PM

3. Paychex Policy Requiring January 1 Plan Effective Date for New Plans

   By Micks, Monday at 06:23 PM
   • 3 replies
   • 371 views
   • 
   • 401kology
   • Yesterday at 01:39 PM

4. 5500 for first year of a spin off plan

   By D Lewis, July 23
   • 2 replies
   • 193 views
   • 
   • D Lewis
   • Monday at 08:26 PM

5. Deemed Distribution Made in Error

   By Lauren0507, July 15
   • 6 replies
   • 491 views
   • 
   • Lauren0507
   • Monday at 12:26 PM

6. Non-Standard Safe Harbor Match

   By metsfan026, July 23
   • 2 replies
   • 408 views
   • 
   • BG5150
   • Friday at 05:45 PM

7. Missed Match versus True-Up and related Earnings

   By effingeh, July 23
   • 5 replies
   • 253 views
   • 
   • Artie M
   • Friday at 03:30 PM

8. Maximizing annual addition when 401(k) not maximized

   By drakecohen, July 22
   • 2 replies
   • 450 views
   • 
   • Gilmore
   • July 23

9. Part time ee to independent contractor & vesting/partial termination?

   By TPApril, July 20
   • 8 replies
   • 545 views
   • 
   • Artie M
   • July 23

10. 2023 IRS Audits

    By Mallory H, July 14
    • 3 replies
    • 394 views
    • 
    • Bill Presson
    • July 21

11. Top Heavy Balance with ER Contribution after the end of the plan year

    By justatester, July 16
    • 2 replies
    • 264 views
    • 
    • John Feldt ERPA CPC QPA
    • July 17

12. SCP, VFCP, or None of the Above

    By Catch22PGM, July 9   

    • correction method
    • scp
    • (and 1 more)

      Tagged with:

      • correction method
      • scp
      • vfcp
    • 5 replies
    • 588 views
    • 
    • PensionPete
    • July 16

13. Contributions after asset sale by ineligible employer

    By 30Rock, July 14
    • 8 replies
    • 470 views
    • 
    • 30Rock
    • July 16

14. what to do without newsletters!?

    By casey72, July 14
    • 1 reply
    • 156 views
    • 
    • Lois Baker
    • July 15

15. Loan Payments on W-2 as Roth

    By Kattdogg12, July 8
    • 4 replies
    • 309 views
    • 
    • BG5150
    • July 11

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

    By Miles Leech, July 8
    • 6 replies
    • 503 views
    • 
    • Peter Gulia
    • July 9

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

    By Brenda Wren, July 7
    • 10 replies
    • 699 views
    • 
    • Peter Gulia
    • July 9

18. Late Contribution Correction Question

    By khn, July 2
    • 4 replies
    • 477 views
    • 
    • Cherry Park Advisory
    • July 9

19. Roth Recharacterization timing for ADP failures

    By ComplianceGeek, July 8
    • 0 replies
    • 258 views
    • 
    • ComplianceGeek
    • July 8

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

    By kimso, July 6
    • 8 replies
    • 549 views
    • 
    • Paul I
    • July 8

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

    By TPApril, July 5
    • 7 replies
    • 687 views
    • 
    • Artie M
    • July 6

22. HCE requests full distribution but plan always fails ADP

    By Lou81, July 6
    • 4 replies
    • 549 views
    • 
    • BG5150
    • July 6

23. Correcting Excess Investment Advisor Fees Charged to Participant Accounts

    By Footnote12, July 1   

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

24. Self Employed, 2 businesses, 415 limit

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

25. Safe Harbor vs Solo 401k Conversion

    By bluehavana2, May 10, 2025
    • 10 replies
    • 2.4k views
    • 
    • rikkiphillipson
    • July 1

26. Different Types of Profit Sharing Plans?

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

27. Changing Eligibility... and then again

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

28. Participant Loans 101

    By austin3515, September 25, 2025
    • 6 replies
    • 5k views
    • 
    • ESOP Guy
    • June 26

29. Ambiguous Beneficiary Designation -- Time for Interpleader?

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

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

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

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

    By Itsamario, June 23   

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

32. 401(k) Provisions added to Profit Sharing Plan effective 8/1/2026

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

33. Dual eligibility for different classes

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

34. Compensation Ratio Testing - Pre-entry Compensation

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

35. SECURE 2.0 Model Amendments

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

36. Using own forfeiture for own top heavy min

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

37. Participant Fee Disclosures

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

38. Leased Employees- Partial Plan Termination

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

39. Is there a missed deferral opportunity?

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

40. 401k Plan Referral with No Plan Document In Place

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

41. Failed ADP test discovered late

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

42. Life Insurance Rollovers

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

43. Excess Contribution - Safe Match must be Funded

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

44. switching from 5500-SF to full 5500

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

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

    By Transplant, January 13
    • 5 replies
    • 2.3k views
    • 
    • justanotheradmin
    • June 9

46. Form 5500 - Schedule D Reporting

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

47. 5500-EZ Penalty Relief Program--Question

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

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

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

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

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

50. Loan Repayment

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