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  1. Entry date of July 1 and 3% safe harbor (6 replies)
  2. Trust EIN... yes or no (3 replies)
  3. 402g refunds? (4 replies)
  4. ineligible employee defers (19 replies)
  5. Allocation Conditions on a Multiple Employer Plan (0 replies)
  6. Participant dies, designates 2 beneficiaries (70% to one and 30% to one), 30% Beneficiary is also deceased. (1 reply)
  7. Safe Harbor-- terminated employees (1 reply)
  8. Crediting Service with Prior Employer (2 replies)
  9. Late-year amendment to add 401(k) a BRF problem? (5 replies)
  10. Short Plan Year? (1 reply)
  11. Contribution deadline... (16 replies)
  12. Employer terminating profit sharing plan. Adopting Safe Harbor 401(k) (9 replies)
  13. H1b1 - Resident or Nonresident alien (1 reply)
  14. Catch-up Contributions; payroll vendor caps the participant at the 402(g) limit first and then in the NEXT payroll cycle will begin catch-up contributions (3 replies)
  15. First RMD for 4/2003 retiree, age 77; does 2004 distribution include 2003 income? (1 reply)
  16. Sample Spanish SOX Notice (0 replies)
  17. Spinoff from a Controlled Group (1 reply)
  18. Two Plans, one brokerage account (0 replies)
  19. Elective Deferral Compensation (3 replies)
  20. timing requirements for amending testing method (1 reply)
  21. Merging a safe harbor 401(k) plan with non-safe harbor 401(k) plan (1 reply)
  22. PEO's and Multiple Employer Plans REV Proc 2002-21 (1 reply)
  23. Average mutual fund expense ratios by class (40 replies)
  24. discretionary match - notice to participants required if discontinue making match? (6 replies)
  25. Plan Loans (1 reply)
  26. minimum income to defer $14,000 in 2003 (3 replies)
  27. Safe Harbor--Nonelective contributions (1 reply)
  28. Accelerated eligibility/new employee not yet an HCE (35 replies)
  29. ADP testing when owners hire their minor sons part time and eligibility for deferral is immediate with no age or service requirements (3 replies)
  30. Defaulted Participant Loans - No 1099 Given; Prohibited Transaction? (0 replies)
  31. Puerto Rico Residents in US Qualified Plan - Can they be excluded from ACP Test? (2 replies)
  32. Solo 401k (6 replies)
  33. 5500 not filed, GUST and EGTRRA not complete. (4 replies)
  34. Do HCE/Family Attribution rules apply to great grandparents/great grandchildren? (1 reply)
  35. k-1 Compensation and Deferrals (0 replies)
  36. ERISA 204(h) Notice Required for Termination of PSP? (1 reply)
  37. Timing of termination of PSP, application for determination letter and ERISA Notice (1 reply)
  38. 401(k) Contributions-Return prior to Year End (3 replies)
  39. Received letters from DOL after using 5330 to report earnings made up for late 401(k) deposits (5 replies)
  40. Discrimination? (1 reply)
  41. True-up for Partners in a Safe Harbor Plan (4 replies)
  42. Removing Joint and Survivor option from 401(k) (2 replies)
  43. Delinquent Loans - Transfer to Successor Plan? (0 replies)
  44. Controlled group - reducing one plan's match to mirror other plans (0 replies)
  45. Otherwise excludable--2-year wait (1 reply)
  46. InServiceDistribution Verusu Pre-Retirement Distribution (3 replies)
  47. Plan Sponsor Use of Affiliated Broker -- Prohibited Transaction? (0 replies)
  48. SE and Employed... what are 415 Limits? (2 replies)
  49. Deductible limit when an employer has both a DB and DC plan and at least one participant is covered by both plans (8 replies)
  50. Hardship documentation (1 reply)
  51. Short first year; in determining maximum compensation for the match calculation, how many months do I prorate the $200K limit? 1 or 2? (7 replies)
  52. Looking for 401(k) stats -- avg. account balance, avg. deferral rate, avg. deferral contributions, avg. participation (4 replies)
  53. Group Term Life Insurance and the definition of Compensation (1 reply)
  54. Return from military leave - paperwork (2 replies)
  55. Initial Eligibility (24 replies)
  56. FICA Taxation of Contribution Made Per Employee's One-Time Irrevocable Election (1 reply)
  57. Corrective amendment needed because one participant didn't contribute enough to make top-heavy minimum? (3 replies)
  58. Church has several part-time employees who work over 1000 hours a year; can they be excluded under 403(b)? (2 replies)
  59. Safe Harbor 401(k) top-heavy if profit sharing contributions also made? (14 replies)
  60. Sample cover letter for Form 5300? Also, please confirm that changing prototype document provision makes our plan "individually designed" (1 reply)
  61. "Keogh"/H.R.10 Plans - Can they self-trustee now? (5 replies)
  62. Direct phone number for IRS Retirement Plans? (2 replies)
  63. OK to use new 401(k) profit sharing document for 2003 but just don't tell employees about ability to defer? Want to start 401(k) component only in 2004. (5 replies)
  64. EE for a company.. and SE for himself. Can he defer $12K in both plans? (5 replies)
  65. Forced Cashout of Required Minimum Distribution (2 replies)
  66. Gateway Contribution Eligibility (7 replies)
  67. Plan with HCEs only (12 replies)
  68. Union employees in a 401(k) plan that excludes collectively bargained employees! (0 replies)
  69. Standardized to Individualized Plan (1 reply)
  70. can IRS grab 401(k) to pay taxes owed? (3 replies)
  71. Can a plan institute a creditworthiness requirement when deciding whether or not to issue a loan? (7 replies)
  72. State payroll deduction laws impact 401(k) automatic enrollment? (4 replies)
  73. How do we roll over 401(k) plans for new employees? (10 replies)
  74. What is the difference between a 401(k) plan and a 401(a) plan? (6 replies)
  75. When is an employee really considered "hired" (0 replies)
  76. Questionable interpretation of allocation formula to allow diff percentage based on years of service (3 replies)
  77. Investment advisor contracts with 401(k) plans and/or participants (1 reply)
  78. can a person with power of attorney change a beneficiary designation (4 replies)
  79. Where can I find prime rate for 401(k) loans? (3 replies)
  80. SSA notified employer many employees were using invalid social security numbers; employees terminated. What is to be done with their 401(k) funds? (3 replies)
  81. Safe Harbor Plan (4 replies)
  82. Mutual Fund "Late Trading" to be abolished under proposal by SEC Chairman Donaldson (12 replies)
  83. Spin-off (2 replies)
  84. Correction of late 401(k) deposits after the VFC program (0 replies)
  85. Year End Census Requests & Social Security Numbers (4 replies)
  86. ADP Testing (9 replies)
  87. Non-deductible contributions in qualified plan (5 replies)
  88. Required Minimum Distribution Amendments - 5-Year Rule Election- QPSA Question (1 reply)
  89. 401(k) Participant Statements (3 replies)
  90. Controlled Group (4 replies)
  91. Timing of merger of Profit Sharing and Money Purchase Plans (3 replies)
  92. SARSEP & 401(K) (1 reply)
  93. amendment removing 401(k) deferrals (3 replies)
  94. 3% employer safe harbor contribution - late or not late? (2 replies)
  95. Quit and rehired - rules for termination? (3 replies)
  96. Is this an ASG? (7 replies)
  97. increasing tiered match formula (20 replies)
  98. Maybe Notice of SH Match (8 replies)
  99. Multiemployer 415 (0 replies)
  100. Should I contribute (2 replies)
  101. QPSA benefits (0 replies)
  102. Installment payment question (1 reply)
  103. New plan adp testing (4 replies)
  104. Schedule Q (4 replies)
  105. First Plan year: 401(k)(3)(E) and then switch to current year (0 replies)
  106. Safe Harbor (12 replies)
  107. Plan year-end change - notification to participants (11 replies)
  108. HCE determination for highly paid employee of new plan added to a control group (3 replies)
  109. Key employee definition under EGTRRA (3 replies)
  110. Adding 401(k) Provision (0 replies)
  111. Straight Percent corrective QNEC question (1 reply)
  112. Contributions Before Effetive Date of Plan (0 replies)
  113. Maximum "minimum" loan amount (4 replies)
  114. 401(k) plan for LLC (4 replies)
  115. Loan payments--people get paid bi-weekly, send monthly contribs (3 replies)
  116. Elimination of Optional Forms of Benefit (0 replies)
  117. Does anyone have any samples of intergrated with SS allocations? How changing your PS allocation to be integrated with SS would change how much the "older" workforce would receive? (3 replies)
  118. switching current to prior year testing for ADP (0 replies)
  119. Top Heavy Plan adding Safe Harbor (5 replies)
  120. Standardized transmittal letter for ADP/ACP distributions? (3 replies)
  121. catch up contribution question (5 replies)
  122. Is 3% Safe Harbor contribution required if no deferrals? (3 replies)
  123. Vesting Rights for Employee on Military Leave (1 reply)
  124. Which taxable year? (3 replies)
  125. Early Participation Rule (3 replies)
  126. Comp limit used for deferral contributions (7 replies)
  127. Testing Method for safe harbor (9 replies)
  128. Timely Deferral Deposits (4 replies)
  129. Determining who is an HCE... (1 reply)
  130. Safe Harbor Plan vs. Safe Harbor Match (6 replies)
  131. Catch Up Regs - Cash Availablity Limit Exception to UA Requirement (6 replies)
  132. Possible forged spouse signature (12 replies)
  133. Ever heard of "life-time catch-ups" or "Special Election A" (4 replies)
  134. How much notice must be given to plan participants when changing match or profit sharing allocation? (2 replies)
  135. RMD-Model Amendment (0 replies)
  136. Former Participants Rehired (1 reply)
  137. Safe Harbor Stacked Match (0 replies)
  138. First year comp for ADP testing (2 replies)
  139. Hardship distributions for union employees (1 reply)
  140. Safe Harbor PlanTwo-Year Wait? (2 replies)
  141. Trust Deed (0 replies)
  142. Can anyone direct me to a sample copy of a Safe Harbor Notice? (1 reply)
  143. SAS70 Question (2 replies)
  144. Is an annual 401k Safe Harbor Notice required? (1 reply)
  145. Different Conributions Based on Marital Status (4 replies)
  146. Age 50-plus catch-up contribution question (4 replies)
  147. Starting a 401(k) for a doctor with 2 different corporate entities (1 reply)
  148. Testing failure of terminated HCE... (2 replies)
  149. What's the solution when it's discovered that the amount deducted for 2002 exceeded the HCE's deferral amount? (8 replies)
  150. Pre-programming deferral rate increases. Anyone know of a provider or plan doing it? (3 replies)
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