401(k) Plans

19,532 topics in this forum

1. In-Plan Roth Accounts

   By mming, August 19
   • 2 replies
   • 865 views
   • 
   • Artie M
   • August 20

2. Rules of Parity Cheat Sheet

   By austin3515, January 23, 2021
   • 10 replies
   • 3.9k views
   • 
   • Jakyasar
   • August 19

3. Safe Harbor Formula > 6%

   By TH 401k, August 16
   • 8 replies
   • 1k views
   • 
   • Paul I
   • August 19

4. Form 5330 for owner 401k at 12/31 - prior yr or current yr?

   By TPApril, August 14
   • 3 replies
   • 907 views
   • 
   • Artie M
   • August 17

5. Fun and Games with the DOL (late payment of deferrals)

   By Guest erisafried, October 22, 2004
   • 5 replies
   • 2.9k views
   • 
   • Bantais
   • August 13

6. HCE and Active Military Duty

   By metsfan026, August 12
   • 5 replies
   • 1.2k views
   • 
   • Peter Gulia
   • August 12

7. Excluded Clases and CalSavers Retirement Savings Trust Act

   By Fibonacci, December 17, 2024
   • 3 replies
   • 1.4k views
   • 
   • Peter Gulia
   • August 10

8. missed deferral opportunity at start of plan - no NHCEs deferred

   By AlbanyConsultant, August 5
   • 14 replies
   • 2k views
   • 
   • AlbanyConsultant
   • August 8

9. Remove EACA mid-year - removing ALL deferrals

   By justanotheradmin, August 6
   • 1 reply
   • 878 views
   • 
   • Paul I
   • August 7

10. Form 8868 for 5330 extension

    By TPApril, July 31
    • 2 replies
    • 807 views
    • 
    • Artie M
    • August 4

11. H4 visa - are you an employee?

    By AlbanyConsultant, August 3
    • 3 replies
    • 945 views
    • 
    • RatherBeGolfing
    • August 4

12. participant options in a stock sale

    By AlbanyConsultant, July 30
    • 4 replies
    • 931 views
    • 
    • Artie M
    • August 4

13. Paychex Policy Requiring January 1 Plan Effective Date for New Plans

    By Micks, July 27
    • 5 replies
    • 1.3k views
    • 
    • Micks
    • August 3

14. Extensions for Plans Adopted After 12/31

    By metsfan026, July 31
    • 3 replies
    • 1k views
    • 
    • austin3515
    • August 3

15. Required Roth Catchup and 415 limits

    By BenefitsJayne, July 30
    • 1 reply
    • 673 views
    • 
    • CuseFan
    • July 31

16. Deemed Loans

    By 401Karina, November 30, 2023
    • 14 replies
    • 19.4k views
    • 
    • Bantais
    • July 31

17. Separate Trust Document - Not a Requirement?

    By MrsMacias, July 29
    • 4 replies
    • 1k views
    • 
    • Artie M
    • July 30

18. SECURE 2.0 - Roth Catch-Up for HPEs - Correction

    By Vlad401k, July 30
    • 3 replies
    • 939 views
    • 
    • WCC
    • July 30

19. Timing of Hours for Vesting

    By effingeh, June 16
    • 8 replies
    • 1.7k views
    • 
    • Christine Oliver
    • July 28

20. 5500 for first year of a spin off plan

    By D Lewis, July 23
    • 2 replies
    • 761 views
    • 
    • D Lewis
    • July 27

21. Deemed Distribution Made in Error

    By Lauren0507, July 15
    • 6 replies
    • 1.4k views
    • 
    • Lauren0507
    • July 27

22. Non-Standard Safe Harbor Match

    By metsfan026, July 23
    • 2 replies
    • 1.1k views
    • 
    • BG5150
    • July 24

23. Missed Match versus True-Up and related Earnings

    By effingeh, July 23
    • 5 replies
    • 1k views
    • 
    • Artie M
    • July 24

24. Maximizing annual addition when 401(k) not maximized

    By drakecohen, July 22
    • 2 replies
    • 1.1k views
    • 
    • Gilmore
    • July 23

25. Part time ee to independent contractor & vesting/partial termination?

    By TPApril, July 20
    • 8 replies
    • 1.4k views
    • 
    • Artie M
    • July 23

26. 2023 IRS Audits

    By Mallory H, July 14
    • 3 replies
    • 869 views
    • 
    • Bill Presson
    • July 21

27. Top Heavy Balance with ER Contribution after the end of the plan year

    By justatester, July 16
    • 2 replies
    • 826 views
    • 
    • John Feldt ERPA CPC QPA
    • July 17

28. SCP, VFCP, or None of the Above

    By Catch22PGM, July 9   

    • correction method
    • scp
    • (and 1 more)

      Tagged with:

      • correction method
      • scp
      • vfcp
    • 5 replies
    • 1.4k views
    • 
    • PensionPete
    • July 16

29. Contributions after asset sale by ineligible employer

    By 30Rock, July 14
    • 8 replies
    • 1.2k views
    • 
    • 30Rock
    • July 16

30. what to do without newsletters!?

    By casey72, July 14
    • 1 reply
    • 617 views
    • 
    • Lois Baker
    • July 15

31. Loan Payments on W-2 as Roth

    By 401kWhisperer, July 8
    • 4 replies
    • 920 views
    • 
    • BG5150
    • July 11

32. How long to keep documents relating to 401(k)?

    By Miles Leech, July 8
    • 6 replies
    • 1.5k views
    • 
    • Peter Gulia
    • July 9

33. Deemed Distribution - Good test question for the pension geeks!

    By Brenda Wren, July 7
    • 10 replies
    • 2.2k views
    • 
    • Peter Gulia
    • July 9

34. Late Contribution Correction Question

    By khn, July 2
    • 4 replies
    • 1.1k views
    • 
    • Cherry Park Advisory
    • July 9

35. Roth Recharacterization timing for ADP failures

    By ComplianceGeek, July 8
    • 0 replies
    • 631 views
    • 
    • ComplianceGeek
    • July 8

36. SH 3% – Can We Exclude a W-2 Contractor Mid-Year?

    By kimso, July 6
    • 8 replies
    • 2.4k views
    • 
    • Paul I
    • July 8

37. minimal underpmt of 401(k), but participant already termed & distributed

    By TPApril, July 5
    • 7 replies
    • 2.3k views
    • 
    • Artie M
    • July 6

38. HCE requests full distribution but plan always fails ADP

    By Lou81, July 6
    • 4 replies
    • 1.4k views
    • 
    • BG5150
    • July 6

39. Correcting Excess Investment Advisor Fees Charged to Participant Accounts

    By Footnote12, July 1   

    • correction of plan defects
    • 1 reply
    • 833 views
    • 
    • Peter Gulia
    • July 2

40. Self Employed, 2 businesses, 415 limit

    By LMK TPA, June 29
    • 8 replies
    • 1.4k views
    • 
    • LMK TPA
    • July 1

41. Safe Harbor vs Solo 401k Conversion

    By bluehavana2, May 10, 2025
    • 10 replies
    • 3.5k views
    • 
    • rikkiphillipson
    • July 1

42. Different Types of Profit Sharing Plans?

    By mming, June 27
    • 1 reply
    • 832 views
    • 
    • Peter Gulia
    • June 27

43. Changing Eligibility... and then again

    By Basically, June 26
    • 2 replies
    • 1.2k views
    • 
    • HRagain
    • June 26

44. Participant Loans 101

    By austin3515, September 25, 2025
    • 6 replies
    • 15.3k views
    • 
    • ESOP Guy
    • June 26

45. Ambiguous Beneficiary Designation -- Time for Interpleader?

    By Interested Party, June 23
    • 9 replies
    • 1.7k views
    • 
    • mming
    • June 25

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

    By Abby N, June 9
    • 4 replies
    • 1.1k views
    • 
    • Abby N
    • June 24

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

    By Itsamario, June 23   

    • eligibility payroll, recordkeeper, deferrals, data feed
    • 2 replies
    • 1k views
    • 
    • CuseFan
    • June 24

48. 401(k) Provisions added to Profit Sharing Plan effective 8/1/2026

    By Dougsbpc, June 22
    • 1 reply
    • 866 views
    • 
    • Paul I
    • June 23

49. Dual eligibility for different classes

    By 30Rock, June 16
    • 8 replies
    • 1.4k views
    • 
    • FORMER ESQ.
    • June 18

50. Compensation Ratio Testing - Pre-entry Compensation

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