401(k) Plans

19,466 topics in this forum

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

   By justatester, Thursday at 05:21 PM
   • 2 replies
   • 153 views
   • 
   • John Feldt ERPA CPC QPA
   • Friday at 06:11 PM

2. 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
   • 446 views
   • 
   • PensionPete
   • Thursday at 06:32 PM

3. Deemed Distribution Made in Error

   By Lauren0507, Wednesday at 12:59 PM
   • 4 replies
   • 318 views
   • 
   • Lauren0507
   • Thursday at 05:38 PM

4. Contributions after asset sale by ineligible employer

   By 30Rock, Tuesday at 04:07 PM
   • 8 replies
   • 300 views
   • 
   • 30Rock
   • Thursday at 02:54 PM

5. 2023 IRS Audits

   By Mallory H, Tuesday at 03:04 PM
   • 2 replies
   • 284 views
   • 
   • EBP
   • Wednesday at 01:49 PM

6. what to do without newsletters!?

   By casey72, Tuesday at 08:14 PM
   • 1 reply
   • 79 views
   • 
   • Lois Baker
   • Wednesday at 11:50 AM

7. Loan Payments on W-2 as Roth

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

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

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

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

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

10. Late Contribution Correction Question

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

11. Roth Recharacterization timing for ADP failures

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

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

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

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

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

14. HCE requests full distribution but plan always fails ADP

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

15. Correcting Excess Investment Advisor Fees Charged to Participant Accounts

    By Footnote12, July 1   

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

16. Self Employed, 2 businesses, 415 limit

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

17. Safe Harbor vs Solo 401k Conversion

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

18. Different Types of Profit Sharing Plans?

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

19. Changing Eligibility... and then again

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

20. Participant Loans 101

    By austin3515, September 25, 2025
    • 6 replies
    • 2.4k views
    • 
    • ESOP Guy
    • June 26

21. Ambiguous Beneficiary Designation -- Time for Interpleader?

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

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

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

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

    By Itsamario, June 23   

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

24. 401(k) Provisions added to Profit Sharing Plan effective 8/1/2026

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

25. Dual eligibility for different classes

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

26. Timing of Hours for Vesting

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

27. Compensation Ratio Testing - Pre-entry Compensation

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

28. SECURE 2.0 Model Amendments

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

29. Using own forfeiture for own top heavy min

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

30. Participant Fee Disclosures

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

31. Leased Employees- Partial Plan Termination

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

32. Is there a missed deferral opportunity?

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

33. 401k Plan Referral with No Plan Document In Place

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

34. Failed ADP test discovered late

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

35. Life Insurance Rollovers

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

36. Excess Contribution - Safe Match must be Funded

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

37. switching from 5500-SF to full 5500

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

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

    By Transplant, January 13
    • 5 replies
    • 2.2k views
    • 
    • justanotheradmin
    • June 9

39. Form 5500 - Schedule D Reporting

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

40. 5500-EZ Penalty Relief Program--Question

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

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

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

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

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

43. Loan Repayment

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

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

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

45. partners forgot to deposit deferrals

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

46. ASC documents?

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

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

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

48. Question for the TPA / DC compliance folks here

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

49. Hardship Withdrawal for Primary Residence

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

50. Principal Residence for Hardship Distribution - travel trailer

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