401(k) Plans

19,321 topics in this forum

1. Dumb question about top-heavy

   By thepensionmaven, September 4, 2020
   • 4 replies
   • 553 views
   • 
   • thepensionmaven
   • September 11, 2020

2. PS effect of not maxing deferral in non-calendar yr plan

   By AlbanyConsultant, December 29, 2020
   • 4 replies
   • 652 views
   • 
   • JackS
   • December 29, 2020

3. forfeitability and accrual requirements for matching contributions mad

   By Guest NMpensions, March 2, 1999
   • 4 replies
   • 1.9k views
   • 
   • Guest
   • March 4, 1999

4. Should a plan allow participants to self-certify other claims?

   By Peter Gulia, August 7, 2023
   • 4 replies
   • 724 views
   • 
   • Peter Gulia
   • August 8, 2023

5. 401(k) plan providers

   By mbozek, April 3, 2002
   • 4 replies
   • 1.7k views
   • 
   • Guest
   • April 3, 2002

6. Testing compensation

   By jaemmons, March 31, 2005
   • 4 replies
   • 2.3k views
   • 
   • Blinky the 3-eyed Fish
   • April 1, 2005

7. Schedule I Line 4a

   By austin3515, July 13, 2006
   • 4 replies
   • 1.4k views
   • 
   • Leopurrd
   • July 14, 2006

8. ADP failure to 415 failure

   By Sully, December 29, 2006
   • 4 replies
   • 2.5k views
   • 
   • Bird
   • December 30, 2006

9. Mergers & Acquisitions- Merging 401(K) Plans.

   By Guest RichardLHill, February 24, 1999
   • 4 replies
   • 2.8k views
   • 
   • Guest
   • March 5, 1999

10. Late contributions for some participants

    By Guest tonjer, May 9, 2003
    • 4 replies
    • 1.2k views
    • 
    • Guest
    • May 15, 2003

11. Plan Document vs. Union Agreement?

    By Guest Chaffee, October 9, 2004
    • 4 replies
    • 1.4k views
    • 
    • GBurns
    • October 10, 2004

12. Deferral election change applied to wrong participant. How to correct?

    By Guest oxdougw, September 30, 2005
    • 4 replies
    • 1.5k views
    • 
    • Guest
    • October 4, 2005

13. 401k safe harbor

    By Guest kbett, March 15, 2007
    • 4 replies
    • 1.2k views
    • 
    • stephen
    • March 15, 2007

14. Employer won't contribute pre-tax from bonus?

    By Guest goddude, February 15, 2008
    • 4 replies
    • 3.9k views
    • 
    • masteff
    • February 15, 2008

15. Safe Harbor Matching - Plan Design

    By Guest TooMuchFreeTime, December 15, 2008
    • 4 replies
    • 1.6k views
    • 
    • Guest
    • December 17, 2008

16. Postponing an employee's compenstion

    By Guest lawman98, December 29, 2009
    • 4 replies
    • 1k views
    • 
    • GBurns
    • December 30, 2009

17. surrender charges not restorative payment but ER contribution

    By pmacduff, September 2, 2011
    • 4 replies
    • 2.5k views
    • 
    • BG5150
    • February 27, 2013

18. Prevailing wage

    By Evelyn, September 11, 2019
    • 4 replies
    • 999 views
    • 
    • Bill Presson
    • September 12, 2019

19. Deductibility of Delinquent Contributions

    By Stash026, June 10, 2021
    • 4 replies
    • 1.2k views
    • 
    • Luke Bailey
    • June 11, 2021

20. Withholding as Pretax for 2022 when should have been Roth

    By Tom, March 7, 2023
    • 4 replies
    • 1.6k views
    • 
    • Bruce1
    • December 11, 2024

21. ASPA Bound

    By Tom Poje, October 24, 2001
    • 4 replies
    • 1.7k views
    • 
    • Guest
    • October 26, 2001

22. Existing Sep, add SoloK, Possible Controlled group

    By K-t-F, November 23, 2004
    • 4 replies
    • 1.4k views
    • 
    • Appleby
    • November 24, 2004

23. Self Employed made deferrals /w no earnings

    By RobN, January 24, 2007
    • 4 replies
    • 1.4k views
    • 
    • Jim Chad
    • January 26, 2007

24. Plan Deferral Limit ?

    By pholosofizer, December 1, 2014
    • 4 replies
    • 969 views
    • 
    • Bird
    • December 1, 2014

25. Safe Harbor Amendment Restriction Work Around

    By Young Curmudgeon, December 30, 2015
    • 4 replies
    • 1k views
    • 
    • Tom Poje
    • January 5, 2016

26. Multiple Employer 401(k) Plans

    By Guest msearle, November 8, 1999
    • 4 replies
    • 1.6k views
    • 
    • Guest
    • December 7, 1999

27. In service rollovers

    By Soundbc1, December 7, 2023
    • 4 replies
    • 890 views
    • 
    • CuseFan
    • December 7, 2023

28. Non-safe harbor Hardship Withdrawal

    By Guest JDL, February 6, 2003
    • 4 replies
    • 6.4k views
    • 
    • austin3515
    • February 8, 2003

29. ATMs

    By DTH, March 31, 2005
    • 4 replies
    • 2.8k views
    • 
    • Guest
    • April 5, 2005

30. C Corp to S Corp - Safe Harbor 401(k)

    By No Name, September 30, 2005
    • 4 replies
    • 1.7k views
    • 
    • No Name
    • October 3, 2005

31. vesting schedules

    By mlp0816, February 13, 2006
    • 4 replies
    • 2.3k views
    • 
    • JDuns
    • February 14, 2006

32. ACP test eligibility

    By fiona1, December 6, 2010
    • 4 replies
    • 1.4k views
    • 
    • fiona1
    • December 6, 2010

33. Must an individual-designed-plan be restated if compliant?

    By kmhaab, March 17, 2017   

    • restatement
    • nonamender failure
    • 4 replies
    • 1.4k views
    • 
    • david rigby
    • March 23, 2017

34. combined 401K contribution limits

    By CG1, June 29, 2017
    • 4 replies
    • 650 views
    • 
    • CG1
    • June 30, 2017

35. SEP + Profit Sharing or Cash Balance

    By Stash026, April 7, 2021
    • 4 replies
    • 772 views
    • 
    • shERPA
    • April 7, 2021

36. Terminating Top Heavy Plan

    By Mr Bagwell, October 6, 2021   

    • top heavy
    • 4 replies
    • 1.1k views
    • 
    • Mr Bagwell
    • October 8, 2021

37. Deduction Limits

    By Fred Payne, July 12, 2001
    • 4 replies
    • 1.5k views
    • 
    • Fred Payne
    • July 12, 2001

38. Can total allocations actually exceed comp. for over 50's?

    By R. Butler, January 16, 2004
    • 4 replies
    • 1.2k views
    • 
    • FundeK
    • January 16, 2004

39. 1099-MISC

    By doombuggy, March 8, 2004
    • 4 replies
    • 1.5k views
    • 
    • Mary Kay Foss
    • March 13, 2004

40. Splitting Solo 401(k)

    By Guest hk73, August 23, 2012
    • 4 replies
    • 1.8k views
    • 
    • Bird
    • August 24, 2012

41. LTPT - sometimes I think that's all w2e are here for... anyway

    By Belgarath, December 7, 2023
    • 4 replies
    • 1.1k views
    • 
    • Paul I
    • December 7, 2023

42. Tips

    By Kay K, August 15, 2025
    • 4 replies
    • 910 views
    • 
    • Peter Gulia
    • August 21, 2025

43. Non US Citzen Non-Spouse Beneficiary

    By Guest glhotdog, August 6, 2008
    • 4 replies
    • 4.8k views
    • 
    • GMK
    • August 6, 2008

44. 401k loan for self-employed person

    By Guest donmartin, February 5, 2009
    • 4 replies
    • 1.5k views
    • 
    • K2retire
    • February 7, 2009

45. Relevant Compensation for suspended Safe Harbor Match

    By Young Curmudgeon, September 14, 2010
    • 4 replies
    • 1.2k views
    • 
    • austin3515
    • September 15, 2010

46. Match con eligibility when 401k maxed earlier

    By TPApril, December 30, 2015
    • 4 replies
    • 1k views
    • 
    • TPApril
    • December 31, 2015

47. BRF Testing

    By justatester, October 12, 2016   

    • Multiple Matches
    • 4 replies
    • 917 views
    • 
    • Doghouse
    • October 12, 2016

48. SECURE ACT Non-elective contribution notice

    By imchipbrown, December 24, 2019
    • 4 replies
    • 1.4k views
    • 
    • Larry Starr
    • December 26, 2019

49. Missing TPA

    By Guest erisafried, December 2, 2002
    • 4 replies
    • 1.7k views
    • 
    • austin3515
    • December 3, 2002

50. adding profit sharing component to a safe harbor 401(K)

    By Guest stephentaft, September 30, 2005
    • 4 replies
    • 1.9k views
    • 
    • R. Butler
    • October 3, 2005