401(k) Plans

19,337 topics in this forum

1. Top Heavy Testing Question

   By metsfan026, yesterday at 02:09 PM
   • 3 replies
   • 228 views
   • 
   • CuseFan
   • 5 hours ago

2. Correction of Late Safe Harbor Matching Contributions Required?

   By kmhaab, yesterday at 08:40 PM
   • 1 reply
   • 145 views
   • 
   • Bri
   • 9 hours ago

3. Funding Profit Sharing Contributions Throughout the Year

   By Vlad401k, yesterday at 05:37 PM
   • 1 reply
   • 143 views
   • 
   • CuseFan
   • Yesterday at 06:37 PM

4. Does A Downpayment for a Rented Home Qualify As A Hardship?

   By metsfan026, Monday at 02:52 PM
   • 5 replies
   • 545 views
   • 
   • Artie M
   • Tuesday at 06:59 PM

5. Adding a new retroactive PS Plan in addition to existing 401k/PS Plan

   By TPAinPA, Saturday at 06:42 PM
   • 5 replies
   • 295 views
   • 
   • austin3515
   • Monday at 10:34 PM

6. SECURE 2.0 Roth catch-ups

   By Itsamario, January 21
   • 2 replies
   • 310 views
   • 
   • Peter Gulia
   • Monday at 12:56 PM

7. Safe Harbor Plan - Exclude HCEs beginning of the year

   By Vlad401k, February 6
   • 3 replies
   • 403 views
   • 
   • Kevin C
   • Sunday at 02:51 PM

8. How do Conversions work? In extremely granular detail.

   By friedliver, February 5
   • 6 replies
   • 578 views
   • 
   • Peter Gulia
   • February 6

9. Correcting a plan limit failure with Roth + pre-tax ED

   By roy819, February 4
   • 8 replies
   • 482 views
   • 
   • Bri
   • February 5

10. switching from 5500-SF to full 5500

    By Pixie, February 4
    • 1 reply
    • 237 views
    • 
    • RatherBeGolfing
    • February 4

11. Can Husband / Wife with separate businesses (no employees) set up 1 plan

    By DDB BN, January 29
    • 10 replies
    • 882 views
    • 
    • Lucky32
    • February 3

12. 402(g) Excess When Deferrals Not Deposited

    By OrderOfOps, January 28
    • 2 replies
    • 334 views
    • 
    • Artie M
    • January 30

13. rmd 1st RMD and plan term same year

    By JulesInCNY, January 29   

    • plan term
    • 2 replies
    • 290 views
    • 
    • JustSayin
    • January 30

14. SECURE 2.0 Section 603 - another Roth catch-up question

    By WCC, January 28
    • 4 replies
    • 812 views
    • 
    • C. B. Zeller
    • January 30

15. 1099-R codes for excess deferrals and attributable income that is being distributed 4 years after the excess deferrals

    By Sami Nasser, January 21
    • 2 replies
    • 370 views
    • 
    • Artie M
    • January 29

16. New CODA Provisions For Existing Profit Sharing Plan

    By Lucky32, January 28
    • 1 reply
    • 198 views
    • 
    • WCC
    • January 28

17. RMD and CARES Act

    By casey72, January 27
    • 1 reply
    • 348 views
    • 
    • CuseFan
    • January 28

18. Sole-prop - deferral election

    By Jakyasar, January 28
    • 1 reply
    • 254 views
    • 
    • CuseFan
    • January 28

19. Does a Solo 401(k) plan’s user know she needs a TPA’s help?

    By Peter Gulia, January 23
    • 17 replies
    • 990 views
    • 
    • FormsRstillmylife
    • January 26

20. Enrollment Material Deadlines & MDOs - What are the regs?

    By OrderOfOps, January 23
    • 3 replies
    • 333 views
    • 
    • Peter Gulia
    • January 23

21. Owners Getting Paid via 1099 & Participating in Plan

    By metsfan026, January 15
    • 12 replies
    • 563 views
    • 
    • Bri
    • January 23

22. Considered Compensation from W2

    By ratherbereading, January 7   

    • w2 compensation
    • 5 replies
    • 998 views
    • 
    • TPABob
    • January 21

23. exclude SOME union employees?

    By AlbanyConsultant, January 16
    • 3 replies
    • 545 views
    • 
    • CuseFan
    • January 19

24. Excluded Employee - Top Heavy

    By Vlad401k, January 15
    • 4 replies
    • 382 views
    • 
    • John Feldt ERPA CPC QPA
    • January 18

25. Prevailing wage in a safe harbor 401(k) plan

    By Just Tri, January 16
    • 1 reply
    • 266 views
    • 
    • Bri
    • January 16

26. Indirect ownership

    By MGOAdmin, January 15
    • 0 replies
    • 221 views
    • 
    • MGOAdmin
    • January 15

27. 80/120 Rule

    By BPG916, January 14
    • 4 replies
    • 411 views
    • 
    • david rigby
    • January 15

28. A Real Problem

    By rblum50, January 13
    • 9 replies
    • 810 views
    • 
    • Tax ERISA Thoughts
    • January 14

29. Cashing Out Stock Options (Rather than Exercising) and 415 Compensation Definition

    By 401 Chaos, July 31, 2015
    • 5 replies
    • 1.8k views
    • 
    • KMMB
    • January 13

30. Income Tax Withholding on Elective Deferrals

    By M_2015, January 13
    • 4 replies
    • 580 views
    • 
    • Peter Gulia
    • January 13

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

    By Transplant, January 13
    • 3 replies
    • 585 views
    • 
    • CuseFan
    • January 13

32. Will recordkeepers be ready to process the saver’s match?

    By Peter Gulia, January 12
    • 5 replies
    • 380 views
    • 
    • Peter Gulia
    • January 13

33. Contributions and matching after 401(a)(17) limit has been reached?

    By MD-Benefits Guy, October 1, 2025
    • 13 replies
    • 1.9k views
    • 
    • Paul I
    • January 12

34. Failed 414s test in safe harbor plan

    By 30Rock, December 17, 2025
    • 3 replies
    • 391 views
    • 
    • Kevin C
    • January 11

35. Mistake of Fact for multiemployer plan

    By roy819, January 9
    • 1 reply
    • 306 views
    • 
    • Peter Gulia
    • January 9

36. Can Plan just disappear?

    By TPApril, December 16, 2025
    • 12 replies
    • 794 views
    • 
    • Lou S.
    • January 9

37. Partial Plan Termination - No Account Balance

    By Vlad401k, January 7
    • 1 reply
    • 299 views
    • 
    • Paul I
    • January 9

38. Removing Participating Employer as of Purchase Date

    By khn, January 5
    • 8 replies
    • 765 views
    • 
    • Artie M
    • January 7

39. Wife of Highly Paid Individual

    By Pixie, January 5
    • 2 replies
    • 704 views
    • 
    • Peter Gulia
    • January 5

40. Last date to change SH Match to SH Nonelective

    By ConnieStorer, December 29, 2025
    • 12 replies
    • 987 views
    • 
    • austin3515
    • January 5

41. 2 Partners only in LLC taxed as an S Corp.

    By DDB BN, December 22, 2025
    • 11 replies
    • 913 views
    • 
    • DDB BN
    • December 24, 2025

42. 401(k) Plan Mega Roth Backdoor After Tax Contributions

    By VIkram Aurora, QPA, QKC, December 17, 2025
    • 19 replies
    • 2.3k views
    • 
    • AlbanyConsultant
    • December 23, 2025

43. financial advisor buys their client... and is still getting paid

    By AlbanyConsultant, December 22, 2025
    • 1 reply
    • 608 views
    • 
    • Peter Gulia
    • December 23, 2025

44. Adding QACA to an existing safe harbor match plan

    By Santo Gold, December 19, 2025
    • 0 replies
    • 248 views
    • 
    • Santo Gold
    • December 19, 2025

45. After Tax (Mega Roth)

    By Kattdogg12, December 8, 2025
    • 7 replies
    • 548 views
    • 
    • John Feldt ERPA CPC QPA
    • December 19, 2025

46. Form 5330

    By 52626, December 6, 2024
    • 6 replies
    • 920 views
    • 
    • Laydesi
    • December 19, 2025

47. SECURE Act Amendments for 401(k)

    By kgr12, December 18, 2025
    • 2 replies
    • 433 views
    • 
    • Peter Gulia
    • December 18, 2025

48. Non-Profit and For Profit

    By austin3515, November 4, 2020
    • 11 replies
    • 2.9k views
    • 
    • justanotheradmin
    • December 17, 2025

49. Top-Heavy Safe-Harbor

    By Bruce1, December 12, 2025
    • 7 replies
    • 843 views
    • 
    • TPABob
    • December 16, 2025

50. Terminating DC plan with J&S

    By Brenda Wren, December 11, 2025
    • 5 replies
    • 764 views
    • 
    • LauraH
    • December 12, 2025