401(k) Plans

19,321 topics in this forum

1. Plan Mergers - Change in Equivalencies

   By BentoBox, September 16, 2025
   • 3 replies
   • 1.3k views
   • 
   • Lou S.
   • September 16, 2025

2. Change ADP/ACP testing in mid-year

   By Guest Sieve, July 22, 2008
   • 3 replies
   • 1.9k views
   • 
   • Guest
   • July 23, 2008

3. Secure 1.0 Amendment deadline (Setting up Every Community....)

   By Tom, June 22, 2023
   • 3 replies
   • 627 views
   • 
   • Tom
   • June 23, 2023

4. Participant Loans

   By 2muchstress, August 13, 2002
   • 3 replies
   • 1.5k views
   • 
   • Brian Gallagher
   • August 14, 2002

5. Timing of sole proprietor elective deferrals

   By bzorc, December 30, 2002
   • 3 replies
   • 4.2k views
   • 
   • pmacduff
   • December 30, 2002

6. ADP testing and controlled groups

   By Guest Rocky, October 20, 2004
   • 3 replies
   • 1k views
   • 
   • Tom Poje
   • October 20, 2004

7. distributions

   By JKW, December 16, 2010
   • 3 replies
   • 1.1k views
   • 
   • JKW
   • December 17, 2010

8. No Beneficiary on File

   By JKW, May 2, 2012
   • 3 replies
   • 1.2k views
   • 
   • JKW
   • May 3, 2012

9. 30 day wait for managers

   By Jim Chad, June 3, 2014
   • 3 replies
   • 1.3k views
   • 
   • 12AX7
   • June 3, 2014

10. Separate forfeiture account

    By ratherbereading, February 19, 2015   

    • Balance forward
    • forfeiture
    • (and 1 more)

      Tagged with:

      • Balance forward
      • forfeiture
      • 401k
    • 3 replies
    • 2k views
    • 
    • Bird
    • February 20, 2015

11. Terminated Plan did not fund safe harbor before distributing all plan assets

    By Pammie57, June 18, 2019
    • 3 replies
    • 753 views
    • 
    • ESOP Guy
    • June 18, 2019

12. Retroactive amendment for discretionary match to include true up

    By karl, February 2, 2023
    • 3 replies
    • 1.3k views
    • 
    • karl
    • February 6, 2023

13. Where to get ERISA Outline Book?

    By Guest Melissa Winslow, May 2, 2000
    • 3 replies
    • 1.6k views
    • 
    • Guest
    • May 3, 2000

14. Excess deferrals with losses

    By Bird, April 11, 2023
    • 3 replies
    • 664 views
    • 
    • Bird
    • April 12, 2023

15. Missed Deferral Opportunity - Form 5500 Sched H line 4a

    By ratherbereading, January 9, 2025
    • 3 replies
    • 1.8k views
    • 
    • ratherbereading
    • January 10, 2025

16. Puerto Rican Plan

    By Guest ERISAcatNraleigh, October 20, 2004
    • 3 replies
    • 1.6k views
    • 
    • david rigby
    • October 20, 2004

17. Question about an amendment to remove SH restrictions

    By jkharvey, July 27, 2009
    • 3 replies
    • 1.1k views
    • 
    • Kevin C
    • July 31, 2009

18. 401(k) Loan Repayments Via Check

    By Comp Ben HRIS, January 25, 2016
    • 3 replies
    • 3.5k views
    • 
    • Bird
    • January 26, 2016

19. Partial Plan Termination with Short Plan Year

    By pixmax, November 8, 2016
    • 3 replies
    • 786 views
    • 
    • david rigby
    • November 8, 2016

20. W-2 error

    By R. Butler, February 27, 2019
    • 3 replies
    • 622 views
    • 
    • Kevin C
    • March 1, 2019

21. Solo 401(k) Plans

    By Chipwood 24, February 2, 2023
    • 3 replies
    • 623 views
    • 
    • Below Ground
    • February 3, 2023

22. LTPT Questions that thread the needle

    By austin3515, January 6, 2024
    • 3 replies
    • 854 views
    • 
    • austin3515
    • January 8, 2024

23. HCE's limited to 4.5% deferral. An HCE that termed deferred 28%. How to correct ADP test?

    By Jim Chad, November 1, 2024
    • 3 replies
    • 811 views
    • 
    • Jim Chad
    • November 5, 2024

24. Failure to include eligible employees

    By Guest mmc, February 12, 2004
    • 3 replies
    • 1.2k views
    • 
    • Brian Gallagher
    • February 12, 2004

25. Can QNEC be used to pass ACP

    By Lori Foresz, September 28, 2004
    • 3 replies
    • 2.7k views
    • 
    • Blinky the 3-eyed Fish
    • September 29, 2004

26. Client got a letter from the SSA...on an old plan

    By doombuggy, March 9, 2010
    • 3 replies
    • 1k views
    • 
    • K2retire
    • March 10, 2010

27. Life Insurance at Termination of Plan

    By 12AX7, April 5, 2010
    • 3 replies
    • 1.4k views
    • 
    • Belgarath
    • April 5, 2010

28. Controlled Group - Spin Off

    By PFranckowiak, December 2, 2011
    • 3 replies
    • 1.5k views
    • 
    • 12AX7
    • December 7, 2011

29. Davis-Bacon 401(k) plan

    By Guest jreed@e-apc.com, September 26, 2013   

    • Prevailing Wage
    • 3 replies
    • 1.5k views
    • 
    • PensionPro
    • September 30, 2013

30. What the heck is this??

    By austin3515, October 28, 2014
    • 3 replies
    • 1.2k views
    • 
    • david rigby
    • October 28, 2014

31. Leased Employees - Problems with 410(b)

    By Y401k, March 8, 2022
    • 3 replies
    • 949 views
    • 
    • Y401k
    • March 9, 2022

32. Merger Question

    By khn, May 23, 2025
    • 3 replies
    • 1.2k views
    • 
    • Ilene Ferenczy
    • May 27, 2025

33. Defaulted Loans

    By Guest CGBS, September 19, 2001
    • 3 replies
    • 1.8k views
    • 
    • Guest
    • September 27, 2001

34. Amendment to switch to prior year testing

    By Guest terryh123, March 12, 2004
    • 3 replies
    • 1.2k views
    • 
    • Guest
    • March 13, 2004

35. Comparing 401k's to 403b's

    By Guest agsmith, March 29, 2004
    • 3 replies
    • 1.2k views
    • 
    • Guest
    • March 30, 2004

36. mutual fund settlement checks

    By pmacduff, July 11, 2011
    • 3 replies
    • 2.1k views
    • 
    • masteff
    • July 12, 2011

37. Late ADP failure correction - earnings

    By AlbanyConsultant, August 3, 2012
    • 3 replies
    • 2.9k views
    • 
    • BG5150
    • August 7, 2012

38. Testing Reported on Form 5500

    By ERISA25, September 26, 2013
    • 3 replies
    • 1.4k views
    • 
    • chc93
    • September 28, 2013

39. so much for safe harbor, but...

    By Bri, February 19, 2018
    • 3 replies
    • 648 views
    • 
    • Bri
    • February 20, 2018

40. sample "true-up" provision for matching contributions

    By Dawn Hafner, January 26, 2000
    • 3 replies
    • 4k views
    • 
    • MWeddell
    • April 4, 2001

41. Can elective deferrals be made after age 70 1/2 ?

    By Moe Howard, February 21, 2002
    • 3 replies
    • 3.1k views
    • 
    • mbozek
    • February 21, 2002

42. (k) testing with no EE compensation

    By Guest hyper, June 30, 2005
    • 3 replies
    • 1.3k views
    • 
    • Guest
    • June 30, 2005

43. Safe Harbor - Eligible Employees

    By Guest tintree73, November 13, 2006
    • 3 replies
    • 2.3k views
    • 
    • Guest
    • November 14, 2006

44. prefunding of profit sharing

    By wsp, March 2, 2007
    • 3 replies
    • 2.7k views
    • 
    • Belgarath
    • March 2, 2007

45. Beneficary and waiver and divorce decree

    By Guest dulan, May 22, 2007
    • 3 replies
    • 2k views
    • 
    • JanetM
    • May 22, 2007

46. Hardship Withdrawals Leading to Excess Match?

    By Guest GmcyWT, October 19, 2011
    • 3 replies
    • 1.9k views
    • 
    • masteff
    • October 20, 2011

47. Fringe Benefits Include Sick Pay?

    By austin3515, August 3, 2012
    • 3 replies
    • 3.8k views
    • 
    • masteff
    • August 6, 2012

48. Associated match if match formula changed

    By John Feldt ERPA CPC QPA, February 17, 2017   

    • associated match
    • 3 replies
    • 737 views
    • 
    • ESOP Guy
    • February 20, 2017

49. Hardship Withdrawal Request under final regs

    By Pammie57, December 1, 2020
    • 3 replies
    • 825 views
    • 
    • Gilmore
    • December 2, 2020

50. Late Employer Contribution to 401(k) Plan

    By rblum50, May 12, 2022
    • 3 replies
    • 966 views
    • 
    • Lou S.
    • May 12, 2022