401(k) Plans

19,294 topics in this forum

1. Top-Heavy Safe-Harbor

   By Bruce1, 5 hours ago
   • 2 replies
   • 15 views
   • 
   • Bruce1
   • 1 hour ago

2. Terminating DC plan with J&S

   By Brenda Wren, Thursday at 06:54 PM
   • 5 replies
   • 242 views
   • 
   • LauraH
   • 3 hours ago

3. Former EE requesting SPD from 23 years ago

   By Brenda Wren, Wednesday at 08:56 PM
   • 8 replies
   • 624 views
   • 
   • Peter Gulia
   • 7 hours ago

4. Student Loan Matching Form

   By austin3515, Wednesday at 12:20 AM
   • 6 replies
   • 218 views
   • 
   • Belgarath
   • 15 hours ago

5. ADP Corrective Distributions and Top Heavy Balances

   By justatester, Wednesday at 11:07 PM
   • 1 reply
   • 223 views
   • 
   • Bri
   • Thursday at 03:34 PM

6. Is there any big recordkeeper not using a Roth catch-up indicator?

   By Peter Gulia, Monday at 07:00 PM
   • 7 replies
   • 680 views
   • 
   • TetrisPensionNerd
   • Thursday at 04:55 AM

7. Hardship for Preventative Home "Repair"

   By BTG, Monday at 08:26 PM
   • 3 replies
   • 486 views
   • 
   • Peter Gulia
   • Wednesday at 04:15 PM

8. How to Handle Match Formula

   By mming, Tuesday at 07:28 PM
   • 2 replies
   • 304 views
   • 
   • John Feldt ERPA CPC QPA
   • Wednesday at 12:22 AM

9. After Tax (Mega Roth)

   By Kattdogg12, Monday at 09:36 PM
   • 3 replies
   • 247 views
   • 
   • David D
   • Tuesday at 09:33 PM

10. Processing deferrals before payroll date

    By BG5150, Monday at 08:18 PM
    • 3 replies
    • 543 views
    • 
    • BG5150
    • Tuesday at 03:37 PM

11. SIMPLE IRA & Mid-Year SH 401(k) - Separate Plan Sponsors

    By OrderOfOps, December 2
    • 4 replies
    • 220 views
    • 
    • OrderOfOps
    • Monday at 07:01 PM

12. Roth Catch up required or not

    By DDB BN, December 4
    • 6 replies
    • 590 views
    • 
    • DDB BN
    • Sunday at 03:55 PM

13. 401(k) plan sponsored by a business 100% owned by an ESOP - RMD question

    By Tom, October 6
    • 1 reply
    • 286 views
    • 
    • ESOP Guy
    • December 5

14. New Roth Catch-Up Rules

    By Connor, December 2
    • 6 replies
    • 412 views
    • 
    • Artie M
    • December 3

15. safe harbor for those still employed on LDOY only

    By Tom, November 25
    • 8 replies
    • 402 views
    • 
    • Paul I
    • December 3

16. 5500 filed last year but number of account balances now under 100

    By Pixie, December 1
    • 1 reply
    • 199 views
    • 
    • Nichol C
    • December 2

17. May we recharacterize deferrals mistakenly processed as Roth back to a participant’s proper non-Roth?

    By Peter Gulia, November 28
    • 5 replies
    • 328 views
    • 
    • PensionPete
    • December 2

18. Mandatory Roth Catch Up related

    By Jakyasar, November 19
    • 13 replies
    • 698 views
    • 
    • PainPA
    • December 2

19. LTPT

    By thepensionmaven, December 1
    • 0 replies
    • 194 views
    • 
    • thepensionmaven
    • December 1

20. Possible Fraudulent Participant Cash Out Request

    By DR_EA, November 20
    • 6 replies
    • 850 views
    • 
    • Peter Gulia
    • November 29

21. Technical Amendment Due To Mistake At Plan Setup

    By metsfan026, November 24
    • 6 replies
    • 629 views
    • 
    • justanotheradmin
    • November 26

22. Prior year testing for first plan test

    By 30Rock, November 24
    • 3 replies
    • 414 views
    • 
    • CuseFan
    • November 25

23. Receivable Contributions & RMD

    By metsfan026, November 21
    • 2 replies
    • 255 views
    • 
    • metsfan026
    • November 21

24. Mandatory Roth Catch-up for SE comp, W-2 combo

    By ejohnke, November 19
    • 2 replies
    • 369 views
    • 
    • Peter Gulia
    • November 20

25. Lawsuit settlement - contributions to 401(k)?

    By Belgarath, November 20
    • 2 replies
    • 535 views
    • 
    • Belgarath
    • November 20

26. HCEs excluded for SH

    By TH 401k, November 11
    • 17 replies
    • 1.1k views
    • 
    • BG5150
    • November 19

27. Prior plan shut down when merging into a PEP

    By Keith Lowery, November 15
    • 5 replies
    • 466 views
    • 
    • jsample
    • November 19

28. S-Corp and whether or not to add ROTH provisions for 2026

    By cheersmate, November 16
    • 2 replies
    • 319 views
    • 
    • PensionPete
    • November 18

29. Can ER stop auto-enroll in a new plan

    By BG5150, November 18
    • 1 reply
    • 379 views
    • 
    • Peter Gulia
    • November 18

30. Break in Service - Rehire

    By TH 401k, November 18
    • 0 replies
    • 4.5k views
    • 
    • TH 401k
    • November 18

31. Employer Contribution Tax Credit - NHCE Requirement

    By austin3515, November 16
    • 1 reply
    • 186 views
    • 
    • austin3515
    • November 18

32. Easiest way to find old terminated employees?

    By RayJJohnsonJr, November 13
    • 6 replies
    • 460 views
    • 
    • RayJJohnsonJr
    • November 17

33. Use QNEC allocated under one-to-one correction to offset top heavy allocation?

    By swam, November 17   

    • 401k
    • qnec
    • (and 1 more)

      Tagged with:

      • 401k
      • qnec
      • top heavy
    • 0 replies
    • 200 views
    • 
    • swam
    • November 17

34. Plan Takeover/Merger - Beneficiary info carryforward - best practice

    By legort69, November 13
    • 3 replies
    • 520 views
    • 
    • Paul I
    • November 14

35. 401(k)/Profit-Sharing Plan with Group Annuity Contracts

    By NewBieHere, October 16
    • 4 replies
    • 468 views
    • 
    • BG5150
    • November 14

36. 2025 comp for 2026 HPI

    By AlbanyConsultant, November 10
    • 7 replies
    • 938 views
    • 
    • AlbanyConsultant
    • November 14

37. Retention Schedules for Distribution Info

    By 401Katie, November 10
    • 7 replies
    • 331 views
    • 
    • CuseFan
    • November 13

38. limit compensation for HCE's in a safe harbor match plan

    By Pixie, November 11
    • 6 replies
    • 402 views
    • 
    • CuseFan
    • November 13

39. Passage of time eligibility

    By 30Rock, November 5
    • 6 replies
    • 779 views
    • 
    • RatherBeGolfing
    • November 11

40. Limiting the Number of 60-Day Rollovers?

    By metsfan026, November 6
    • 3 replies
    • 573 views
    • 
    • austin3515
    • November 10

41. RMD for Beneficiary

    By MGOAdmin, November 7
    • 1 reply
    • 752 views
    • 
    • Peter Gulia
    • November 9

42. Mandatory Roth Catch-Up Correction Method -- Followed by EPCRS Correction?

    By Interested Party, November 6
    • 2 replies
    • 416 views
    • 
    • Interested Party
    • November 7

43. platform plus individual brokerage accounts

    By Pixie, November 6
    • 4 replies
    • 455 views
    • 
    • Peter Gulia
    • November 7

44. Triggering 3(21) fiduciary responsibility

    By Mleech, November 5
    • 3 replies
    • 624 views
    • 
    • Peter Gulia
    • November 7

45. Enrolling spouse in owner only 401k plan

    By Renee H, November 5
    • 3 replies
    • 372 views
    • 
    • Renee H
    • November 6

46. M&A - terminate buyer's plan?

    By casey72, October 16
    • 13 replies
    • 1.1k views
    • 
    • casey72
    • November 6

47. Roth mandate and off calendar year plan

    By MATRIX, October 30
    • 5 replies
    • 619 views
    • 
    • 30Rock
    • November 6

48. Timing of Amendment for Change to Match

    By metsfan026, November 3
    • 2 replies
    • 710 views
    • 
    • Ilene Ferenczy
    • November 4

49. Fun and Games with the DOL (late payment of deferrals)

    By Guest erisafried, October 22, 2004
    • 5 replies
    • 2.1k views
    • 
    • Bantais
    • November 3

50. auto enrollment for rehires who opted out previously

    By TPApril, October 31
    • 2 replies
    • 392 views
    • 
    • Artie M
    • October 31