401(k) Plans

19,450 topics in this forum

1. Different Types of Profit Sharing Plans?

   By mming, yesterday at 01:29 AM
   • 1 reply
   • 40 views
   • 
   • Peter Gulia
   • Yesterday at 06:41 PM

2. Changing Eligibility... and then again

   By Basically, Friday at 01:27 PM
   • 2 replies
   • 343 views
   • 
   • HRagain
   • Friday at 06:51 PM

3. Participant Loans 101

   By austin3515, September 25, 2025
   • 6 replies
   • 2.2k views
   • 
   • ESOP Guy
   • Friday at 01:13 PM

4. Ambiguous Beneficiary Designation -- Time for Interpleader?

   By Interested Party, Tuesday at 06:42 PM
   • 9 replies
   • 373 views
   • 
   • mming
   • Thursday at 12:01 AM

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

   By Abby N, June 9
   • 4 replies
   • 302 views
   • 
   • Abby N
   • Wednesday at 07:00 PM

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

   By Itsamario, Tuesday at 08:22 PM   

   • eligibility payroll, recordkeeper, deferrals, data feed
   • 2 replies
   • 260 views
   • 
   • CuseFan
   • Wednesday at 05:29 PM

7. 401(k) Provisions added to Profit Sharing Plan effective 8/1/2026

   By Dougsbpc, Monday at 11:42 PM
   • 1 reply
   • 237 views
   • 
   • Paul I
   • Tuesday at 01:49 PM

8. Dual eligibility for different classes

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

9. Timing of Hours for Vesting

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

10. Compensation Ratio Testing - Pre-entry Compensation

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

11. SECURE 2.0 Model Amendments

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

12. Using own forfeiture for own top heavy min

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

13. Participant Fee Disclosures

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

14. Leased Employees- Partial Plan Termination

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

15. Is there a missed deferral opportunity?

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

16. 401k Plan Referral with No Plan Document In Place

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

17. Failed ADP test discovered late

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

18. Life Insurance Rollovers

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

19. Excess Contribution - Safe Match must be Funded

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

20. switching from 5500-SF to full 5500

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

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

    By Transplant, January 13
    • 5 replies
    • 2k views
    • 
    • justanotheradmin
    • June 9

22. Form 5500 - Schedule D Reporting

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

23. 5500-EZ Penalty Relief Program--Question

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

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

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

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

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

26. Loan Repayment

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

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

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

28. partners forgot to deposit deferrals

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

29. ASC documents?

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

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

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

31. Question for the TPA / DC compliance folks here

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

32. Hardship Withdrawal for Primary Residence

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

33. Principal Residence for Hardship Distribution - travel trailer

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

34. SH dual eligibility and TH question

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

35. 401k correct fix for example below

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

36. Date of Entry

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

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

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

38. 2024 Non Elective Safe Harbor not deposited

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

39. Roth catch-up wage limit

    By Tom, May 14
    • 3 replies
    • 436 views
    • 
    • 401kology
    • May 15

40. Which recordkeepers have implemented self-certifying hardship claims?

    By Peter Gulia, May 14
    • 2 replies
    • 522 views
    • 
    • Peter Gulia
    • May 14

41. Terminated EE Wants to Return the Distribution from Her 401k Plan

    By ratherbereading, May 13   

    • distribution; 401k plan
    • 4 replies
    • 561 views
    • 
    • fmsinc
    • May 13

42. CPA firm using an APS model

    By D Lewis, April 27
    • 4 replies
    • 541 views
    • 
    • D Lewis
    • May 13

43. After-tax Contributions and the ACP Test

    By Numbers789, May 11
    • 1 reply
    • 385 views
    • 
    • CuseFan
    • May 12

44. 401k Plan with Discretionary PS - ok to disregard Failed Gateway?

    By TripleDoubleStamp, April 28
    • 3 replies
    • 458 views
    • 
    • BG5150
    • May 1

45. Switching from participant directed to pooled account

    By Jakyasar, April 30
    • 1 reply
    • 357 views
    • 
    • Bri
    • April 30

46. Rehire - Consecutive Service

    By TH 401k, April 28
    • 3 replies
    • 482 views
    • 
    • Artie M
    • April 29

47. 401K PLAN ELIGIBLE, COMPANY NEGLECTED TO OFFER

    By Mimi, April 24
    • 9 replies
    • 674 views
    • 
    • Mimi
    • April 28

48. Self Employed Individual with Net Income of Zero

    By DPSRich, April 27
    • 2 replies
    • 570 views
    • 
    • DPSRich
    • April 28

49. Employer Roth Contributions

    By Tom, April 27
    • 2 replies
    • 703 views
    • 
    • Artie M
    • April 27

50. Two plans with different eligibility

    By D Lewis, April 22
    • 3 replies
    • 622 views
    • 
    • D Lewis
    • April 27