401(k) Plans

19,400 topics in this forum

1. VCP program

   By Pixie, February 25
   • 2 replies
   • 352 views
   • 
   • Artie M
   • February 26

2. LTPT deferrals included in average benefits testing?

   By Tom, February 24
   • 4 replies
   • 4.4k views
   • 
   • acm_acm
   • February 26

3. ADP/ACP Correction Question

   By effingeh, February 26
   • 3 replies
   • 761 views
   • 
   • Bri
   • February 26

4. Top Heavy Testing Question

   By metsfan026, February 11
   • 6 replies
   • 771 views
   • 
   • david rigby
   • February 26

5. ADP/ACP question (union / non-union)

   By roy819, February 25
   • 1 reply
   • 535 views
   • 
   • CuseFan
   • February 25

6. Section 125 Pay reporting

   By TPApril, February 25
   • 0 replies
   • 212 views
   • 
   • TPApril
   • February 25

7. Can a Roth Catch-up be deposited to a Roth IRA rollover

   By Renee H, February 23
   • 2 replies
   • 765 views
   • 
   • Renee H
   • February 25

8. W-2 Comp w/Sec125

   By TPApril, February 19
   • 2 replies
   • 1.6k views
   • 
   • Artie M
   • February 23

9. auto enrollment required?

   By Old Reliable, February 18
   • 6 replies
   • 610 views
   • 
   • Peter Gulia
   • February 22

10. 5500-EZ Penalty Relief Program--Question

    By marco100, February 15
    • 3 replies
    • 563 views
    • 
    • marco100
    • February 20

11. adding safe harbor match to profit sharing plan

    By Old Reliable, February 18
    • 2 replies
    • 506 views
    • 
    • Artie M
    • February 20

12. Payroll companies and tiered matches

    By Gadgetfreak, February 19
    • 2 replies
    • 334 views
    • 
    • Gadgetfreak
    • February 20

13. Tax Withholding on a 402(g) Refund

    By Nate X, February 14
    • 1 reply
    • 396 views
    • 
    • Artie M
    • February 18

14. Spin off plan with EACA mandate and changing date of first increase

    By 30Rock, February 17
    • 0 replies
    • 295 views
    • 
    • 30Rock
    • February 17

15. Discretionary Match

    By 52626, February 17
    • 2 replies
    • 788 views
    • 
    • Paul I
    • February 17

16. HCE Allocations in Failed ACP Test

    By Lucky32, February 13
    • 2 replies
    • 689 views
    • 
    • Lucky32
    • February 13

17. Roth catchup and a pooled plan

    By AlbanyConsultant, February 13
    • 6 replies
    • 652 views
    • 
    • Peter Gulia
    • February 13

18. Correction of Late Safe Harbor Matching Contributions Required?

    By kmhaab, February 11
    • 1 reply
    • 491 views
    • 
    • Bri
    • February 12

19. Funding Profit Sharing Contributions Throughout the Year

    By Vlad401k, February 11
    • 1 reply
    • 607 views
    • 
    • CuseFan
    • February 11

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

    By metsfan026, February 9
    • 5 replies
    • 7.8k views
    • 
    • Artie M
    • February 10

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

    By TPAinPA, February 7
    • 5 replies
    • 686 views
    • 
    • austin3515
    • February 9

22. SECURE 2.0 Roth catch-ups

    By Itsamario, January 21
    • 2 replies
    • 741 views
    • 
    • Peter Gulia
    • February 9

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

    By Vlad401k, February 6
    • 3 replies
    • 587 views
    • 
    • Kevin C
    • February 8

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

    By friedliver, February 5
    • 6 replies
    • 1k views
    • 
    • Peter Gulia
    • February 6

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

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

26. switching from 5500-SF to full 5500

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

27. 402(g) Excess When Deferrals Not Deposited

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

28. rmd 1st RMD and plan term same year

    By JulesInCNY, January 29   

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

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

    By WCC, January 28
    • 4 replies
    • 1.2k views
    • 
    • C. B. Zeller
    • January 30

30. 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
    • 1.7k views
    • 
    • Artie M
    • January 29

31. New CODA Provisions For Existing Profit Sharing Plan

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

32. RMD and CARES Act

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

33. Sole-prop - deferral election

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

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

    By Peter Gulia, January 23
    • 17 replies
    • 1.5k views
    • 
    • FormsRstillmylife
    • January 26

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

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

36. Owners Getting Paid via 1099 & Participating in Plan

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

37. Considered Compensation from W2

    By ratherbereading, January 7   

    • w2 compensation
    • 5 replies
    • 3.1k views
    • 
    • TPABob
    • January 21

38. exclude SOME union employees?

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

39. Excluded Employee - Top Heavy

    By Vlad401k, January 15
    • 4 replies
    • 1.6k views
    • 
    • John Feldt ERPA CPC QPA
    • January 18

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

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

41. Indirect ownership

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

42. 80/120 Rule

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

43. A Real Problem

    By rblum50, January 13
    • 9 replies
    • 1.1k views
    • 
    • Tax ERISA Thoughts
    • January 14

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

    By 401 Chaos, July 31, 2015
    • 5 replies
    • 1.9k views
    • 
    • KMMB
    • January 13

45. Income Tax Withholding on Elective Deferrals

    By M_2015, January 13
    • 4 replies
    • 2.2k views
    • 
    • Peter Gulia
    • January 13

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

    By Transplant, January 13
    • 3 replies
    • 1.2k views
    • 
    • CuseFan
    • January 13

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

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

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

    By MD-Benefits Guy, October 1, 2025
    • 13 replies
    • 3.4k views
    • 
    • Paul I
    • January 12

49. Failed 414s test in safe harbor plan

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

50. Mistake of Fact for multiemployer plan

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