401(k) Plans

19,337 topics in this forum

1. Exclude HCEs from match

   By Scott50, March 11, 2019
   • 3 replies
   • 1.6k views
   • 
   • Mike Preston
   • March 12, 2019

2. Is my math correct for deduction/415(c)?

   By Jakyasar, June 22, 2020
   • 3 replies
   • 523 views
   • 
   • Jakyasar
   • July 14, 2020

3. "Substantially same employees" SECURE 2.0 tax credit

   By justanotheradmin, September 19, 2023
   • 3 replies
   • 1.5k views
   • 
   • Peter Gulia
   • September 20, 2023

4. 414(s) Test

   By TJ, June 13, 2025
   • 3 replies
   • 1.2k views
   • 
   • Belgarath
   • June 16, 2025

5. Does the same desk rule apply if the new and old employers are not rel

   By John A, May 18, 2001
   • 3 replies
   • 2k views
   • 
   • MWeddell
   • May 23, 2001

6. dissolving dc plan

   By Brian Gallagher, November 6, 2002
   • 3 replies
   • 2k views
   • 
   • Brian Gallagher
   • November 6, 2002

7. Plan is top heavy, and then Key EE takes a dist

   By Santo Gold, March 3, 2006
   • 3 replies
   • 1.4k views
   • 
   • stephen
   • March 3, 2006

8. Safe Harbor Match - Not for 2008

   By Jilliandiz, October 26, 2007
   • 3 replies
   • 1.3k views
   • 
   • John Feldt ERPA CPC QPA
   • October 26, 2007

9. what to do with forfeitures

   By Gudgergirl, February 17, 2010
   • 3 replies
   • 1.6k views
   • 
   • jpod
   • February 17, 2010

10. Employees works in the UK, paid through a payroll company in the UK but the firm is in the US - Help? Are They Eligible?

    By HarleyBabe, August 27, 2013
    • 3 replies
    • 933 views
    • 
    • MoJo
    • August 28, 2013

11. 404c Protection

    By khn, October 10, 2013
    • 3 replies
    • 1.3k views
    • 
    • GMK
    • October 10, 2013

12. Hardship withdrawal

    By NStinson1979, April 24, 2017
    • 3 replies
    • 552 views
    • 
    • CuseFan
    • April 24, 2017

13. Trying to figure missed deferral

    By Loves401(k), March 2, 2018
    • 3 replies
    • 1.7k views
    • 
    • Belgarath
    • March 6, 2018

14. 3% Nonelective SH with QACA

    By DavidO, January 28, 2025
    • 3 replies
    • 887 views
    • 
    • Bill Presson
    • January 28, 2025

15. Limited Scope audit or Full scope audit

    By Guest RyanA, August 20, 2002
    • 3 replies
    • 13.1k views
    • 
    • JohnCheek
    • August 20, 2002

16. 401(k) Match Contribution Question

    By Guest tgraham, January 12, 2004
    • 3 replies
    • 1.2k views
    • 
    • Mike Preston
    • January 13, 2004

17. 401k Multiple Entry Dates and Top Heavy Plans

    By perkinsran, November 18, 2004
    • 3 replies
    • 1.4k views
    • 
    • perkinsran
    • November 18, 2004

18. Calculation of income on excess contributions resulting from failed ADP test

    By Guest ChopperPilot, March 4, 2005
    • 3 replies
    • 1.2k views
    • 
    • austin3515
    • March 5, 2005

19. employee elects NOT to participate

    By cpc0506, May 12, 2011
    • 3 replies
    • 1.3k views
    • 
    • masteff
    • May 12, 2011

20. Bottom Up QNEC

    By Guest tjt169, June 17, 2014
    • 3 replies
    • 2.2k views
    • 
    • Kevin C
    • June 27, 2014

21. Failed coverage, no fail-safe

    By BG5150, March 3, 2017
    • 3 replies
    • 717 views
    • 
    • Tom Poje
    • March 6, 2017

22. 403(b) Plan Amendment

    By Barbara, March 19, 2021
    • 3 replies
    • 537 views
    • 
    • Mike Preston
    • April 1, 2021

23. Failed coverage test with excluded class

    By Brenda Wren, October 1, 2002
    • 3 replies
    • 2k views
    • 
    • E as in ERISA
    • October 2, 2002

24. Employers Responsibility regarding 401K contributions

    By Guest 3mj, May 14, 2005
    • 3 replies
    • 1.9k views
    • 
    • austin3515
    • May 15, 2005

25. Contribution to a Terminated Participant?

    By Archimage, March 3, 2006
    • 3 replies
    • 1.5k views
    • 
    • rcline46
    • March 3, 2006

26. Rehires

    By Guest andmik, September 24, 2008
    • 3 replies
    • 1.6k views
    • 
    • Kevin C
    • September 25, 2008

27. Part Time Employee Exclusion

    By Randy Watson, May 13, 2010
    • 3 replies
    • 2.2k views
    • 
    • Guest
    • May 13, 2010

28. Loan Repayment/Maternity Leave

    By Stash026, January 17, 2019
    • 3 replies
    • 2.6k views
    • 
    • 401_noob
    • January 17, 2019

29. Life insurance -- Incidental benefit rules applies on a cumulative bas

    By R. Butler, July 25, 2000
    • 3 replies
    • 2.4k views
    • 
    • Michael Devault
    • August 7, 2000

30. credit for service at old firm

    By Jim Chad, December 9, 2008
    • 3 replies
    • 1k views
    • 
    • QDROphile
    • December 10, 2008

31. Is testing necessary if plan satisfies QACA?

    By taxllm, May 12, 2011
    • 3 replies
    • 939 views
    • 
    • QDROphile
    • May 12, 2011

32. 401(k) Non US based company

    By Guest nextgenplanner, August 25, 2011
    • 3 replies
    • 1.3k views
    • 
    • austin3515
    • September 2, 2011

33. Blackout Notice and Enrollment

    By 52626, October 20, 2015
    • 3 replies
    • 1.5k views
    • 
    • hr for me
    • October 21, 2015

34. Coverage transition grace period for control group

    By ESI2015, March 5, 2018
    • 3 replies
    • 1.7k views
    • 
    • msmith
    • March 6, 2018

35. 410(b)(6)(C) transition relief

    By cpc0506, March 21, 2021
    • 3 replies
    • 1.2k views
    • 
    • Alonzo Church
    • March 22, 2021

36. Need help on 5500-SF Count

    By stephen20, May 19, 2021
    • 3 replies
    • 702 views
    • 
    • pmacduff
    • May 19, 2021

37. Plan Sponsor/Trustee responsible for losses or forfeiture investments?

    By John A, June 8, 2000
    • 3 replies
    • 2.4k views
    • 
    • Guest
    • June 9, 2000

38. Audit Requirements

    By Guest lforesz, September 26, 2001
    • 3 replies
    • 2.6k views
    • 
    • Guest
    • October 5, 2001

39. Allocation of Contributions with Forfeitures to Separated Participants

    By Guest DudeRay, April 4, 2004
    • 3 replies
    • 2k views
    • 
    • Tom Poje
    • April 5, 2004

40. 401(k) Plan Audit Question: RE: Investment Contract with Insurance Co. note to Financial Statements.

    By Guest TGinthe'Ville, September 26, 2005
    • 3 replies
    • 1.8k views
    • 
    • Guest
    • September 28, 2005

41. Deferral not offerred to eligible employee

    By Jed Macy, June 29, 2015
    • 3 replies
    • 1.1k views
    • 
    • Kevin C
    • June 30, 2015

42. Excess Deferral and 415 Limit

    By Vlad401k, March 5, 2018
    • 3 replies
    • 1.7k views
    • 
    • BG5150
    • January 29, 2019

43. Deemed 401K Loan

    By 401kchallenged, August 29, 2019
    • 3 replies
    • 892 views
    • 
    • Patricia Neal Jensen
    • September 3, 2019

44. Social Security Integration Rate

    By davef, January 27, 1999
    • 3 replies
    • 2.3k views
    • 
    • david rigby
    • January 30, 1999

45. 401(k) black out notices

    By Guest susa, February 3, 2003
    • 3 replies
    • 2.3k views
    • 
    • Lynn Campbell
    • February 21, 2003

46. 401K TO A ROTH IRA

    By Guest tim22, April 4, 2004
    • 3 replies
    • 1.4k views
    • 
    • Guest
    • April 5, 2004

47. Prior Year Testing and Change in Comp provisions

    By Guest Cinco, March 29, 2006
    • 3 replies
    • 2.5k views
    • 
    • Tom Poje
    • April 6, 2006

48. Exclude Owner from 3% SH

    By jkharvey, November 28, 2007
    • 3 replies
    • 1.3k views
    • 
    • Jim Chad
    • November 29, 2007

49. Safe-Harbor + Top-heavy

    By Lou S., March 10, 2008
    • 3 replies
    • 2.2k views
    • 
    • John Feldt ERPA CPC QPA
    • March 11, 2008

50. over contribute to 401(k) deferrals - Owner

    By jkdoll2, March 17, 2009
    • 3 replies
    • 1.2k views
    • 
    • BG5150
    • March 18, 2009