401(k) Plans

19,499 topics in this forum

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

   By kimso, July 6
   • 8 replies
   • 1.3k views
   • 
   • Paul I
   • July 8

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

   By TPApril, July 5
   • 7 replies
   • 1.4k views
   • 
   • Artie M
   • July 6

3. HCE requests full distribution but plan always fails ADP

   By Lou81, July 6
   • 4 replies
   • 917 views
   • 
   • BG5150
   • July 6

4. Correcting Excess Investment Advisor Fees Charged to Participant Accounts

   By Footnote12, July 1   

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

5. Self Employed, 2 businesses, 415 limit

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

6. Safe Harbor vs Solo 401k Conversion

   By bluehavana2, May 10, 2025
   • 10 replies
   • 2.8k views
   • 
   • rikkiphillipson
   • July 1

7. Different Types of Profit Sharing Plans?

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

8. Changing Eligibility... and then again

   By Basically, June 26
   • 2 replies
   • 822 views
   • 
   • HRagain
   • June 26

9. Participant Loans 101

   By austin3515, September 25, 2025
   • 6 replies
   • 10.9k views
   • 
   • ESOP Guy
   • June 26

10. Ambiguous Beneficiary Designation -- Time for Interpleader?

    By Interested Party, June 23
    • 9 replies
    • 1.1k views
    • 
    • mming
    • June 25

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

    By Abby N, June 9
    • 4 replies
    • 722 views
    • 
    • Abby N
    • June 24

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

    By Itsamario, June 23   

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

13. 401(k) Provisions added to Profit Sharing Plan effective 8/1/2026

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

14. Dual eligibility for different classes

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

15. Compensation Ratio Testing - Pre-entry Compensation

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

16. SECURE 2.0 Model Amendments

    By youngbenefitslawyer, June 12
    • 1 reply
    • 480 views
    • 
    • Lauren0507
    • June 16

17. Using own forfeiture for own top heavy min

    By TPApril, May 26
    • 13 replies
    • 1.4k views
    • 
    • justanotheradmin
    • June 15

18. Participant Fee Disclosures

    By Pammie57, June 10
    • 4 replies
    • 1k views
    • 
    • JonC
    • June 12

19. Leased Employees- Partial Plan Termination

    By Coleboy1, June 12
    • 2 replies
    • 713 views
    • 
    • Paul I
    • June 12

20. Is there a missed deferral opportunity?

    By PensionPro, June 10
    • 5 replies
    • 740 views
    • 
    • BG5150
    • June 12

21. 401k Plan Referral with No Plan Document In Place

    By Emily, June 9
    • 7 replies
    • 1.2k views
    • 
    • Paul I
    • June 11

22. Failed ADP test discovered late

    By ConnieStorer, June 8
    • 8 replies
    • 1.2k views
    • 
    • ConnieStorer
    • June 11

23. Life Insurance Rollovers

    By 401k Conundrums, May 28
    • 9 replies
    • 1.4k views
    • 
    • FPGuy
    • June 10

24. Excess Contribution - Safe Match must be Funded

    By Vlad401k, June 5
    • 7 replies
    • 713 views
    • 
    • Artie M
    • June 9

25. switching from 5500-SF to full 5500

    By Pixie, February 4
    • 3 replies
    • 874 views
    • 
    • BG5150
    • June 9

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

    By Transplant, January 13
    • 5 replies
    • 2.6k views
    • 
    • justanotheradmin
    • June 9

27. Form 5500 - Schedule D Reporting

    By FishOn, May 26
    • 4 replies
    • 972 views
    • 
    • Cherry Park Advisory
    • June 9

28. 5500-EZ Penalty Relief Program--Question

    By marco100, February 15
    • 4 replies
    • 1.3k views
    • 
    • marco100
    • June 6

29. Participant loans - part of a vested balance or no?

    By blguest, June 2
    • 6 replies
    • 1.4k views
    • 
    • QDROphile
    • June 4

30. “To the person I am married to at the time of my death”

    By Peter Gulia, June 2
    • 9 replies
    • 1.1k views
    • 
    • Peter Gulia
    • June 4

31. Loan Repayment

    By Bruce1, June 2
    • 5 replies
    • 853 views
    • 
    • fmsinc
    • June 4

32. Safe Harbor Nonelective contribution required with 1.401(a)4-11(g) Amendment?

    By Dougsbpc, June 3
    • 1 reply
    • 477 views
    • 
    • Bri
    • June 3

33. partners forgot to deposit deferrals

    By AlbanyConsultant, June 1
    • 15 replies
    • 1.5k views
    • 
    • David D
    • June 2

34. ASC documents?

    By J Simmons, May 12
    • 1 reply
    • 351 views
    • 
    • J Simmons
    • June 2

35. How shifting(borrowing) works for the following ACP failure?

    By Sarah73, June 1
    • 2 replies
    • 470 views
    • 
    • Bri
    • June 2

36. Question for the TPA / DC compliance folks here

    By Itsamario, June 1
    • 0 replies
    • 606 views
    • 
    • Itsamario
    • June 1

37. Hardship Withdrawal for Primary Residence

    By EPCRSGuru, May 27
    • 4 replies
    • 950 views
    • 
    • Brenda Wren
    • May 29

38. Principal Residence for Hardship Distribution - travel trailer

    By TPA Bob, May 21
    • 5 replies
    • 953 views
    • 
    • Peter Gulia
    • May 21

39. SH dual eligibility and TH question

    By BG5150, May 19
    • 3 replies
    • 526 views
    • 
    • Bri
    • May 21

40. 401k correct fix for example below

    By HRagain, May 18
    • 5 replies
    • 847 views
    • 
    • John Feldt ERPA CPC QPA
    • May 21

41. Date of Entry

    By 52626, April 28
    • 6 replies
    • 968 views
    • 
    • Bruce1
    • May 20

42. Determination of compensation for Roth catch-up for 2026

    By Jakyasar, May 18
    • 7 replies
    • 901 views
    • 
    • Peter Gulia
    • May 19

43. 2024 Non Elective Safe Harbor not deposited

    By D Lewis, May 15
    • 7 replies
    • 984 views
    • 
    • BG5150
    • May 18

44. Roth catch-up wage limit

    By Tom, May 14
    • 3 replies
    • 747 views
    • 
    • 401kology
    • May 15

45. Which recordkeepers have implemented self-certifying hardship claims?

    By Peter Gulia, May 14
    • 2 replies
    • 709 views
    • 
    • Peter Gulia
    • May 14

46. Terminated EE Wants to Return the Distribution from Her 401k Plan

    By ratherbereading, May 13   

    • distribution; 401k plan
    • 4 replies
    • 830 views
    • 
    • fmsinc
    • May 13

47. CPA firm using an APS model

    By D Lewis, April 27
    • 4 replies
    • 931 views
    • 
    • D Lewis
    • May 13

48. After-tax Contributions and the ACP Test

    By Numbers789, May 11
    • 1 reply
    • 559 views
    • 
    • CuseFan
    • May 12

49. 401k Plan with Discretionary PS - ok to disregard Failed Gateway?

    By TripleDoubleStamp, April 28
    • 3 replies
    • 710 views
    • 
    • BG5150
    • May 1

50. Switching from participant directed to pooled account

    By Jakyasar, April 30
    • 1 reply
    • 514 views
    • 
    • Bri
    • April 30