401(k) Plans

19,321 topics in this forum

1. Is this a safe harbor match formula

   By Santo Gold, February 12, 2021
   • 3 replies
   • 449 views
   • 
   • BG5150
   • February 12, 2021

2. Adding Union Employees to the 401(k) Plan - Audit issue

   By HarleyBabe, April 7, 2022
   • 3 replies
   • 889 views
   • 
   • Bill Presson
   • April 8, 2022

3. 415 Annual Limit Calculation

   By Guest KathyL, October 15, 1998
   • 3 replies
   • 3.3k views
   • 
   • Guest
   • October 16, 1998

4. When does an employee cease being an "Employee" for plan pur

   By John A, September 20, 2000
   • 3 replies
   • 2.9k views
   • 
   • rcline46
   • September 22, 2000

5. Which year's top-heavy contribution can a QNEC contribution be applied

   By John A, January 19, 2001
   • 3 replies
   • 3.4k views
   • 
   • Guest
   • January 22, 2001

6. Trustee

   By Guest Mike Schwing, November 12, 2002
   • 3 replies
   • 1.4k views
   • 
   • Archimage
   • November 13, 2002

7. Reduce Safe Harbor Match from 6% to 4%

   By Guest TimS, June 11, 2009
   • 3 replies
   • 1.2k views
   • 
   • Guest
   • June 12, 2009

8. Safe Harbor Match & NEC to A group of NHCE, 3% SH NEC & A group of HCE Excluded, Cross -Test & TH exemption

   By AdKu, August 10, 2016   

   • Safe Harbor Match
   • NEC to A group of NHCE
   • (and 1 more)

     Tagged with:

     • Safe Harbor Match
     • NEC to A group of NHCE
     • Cross -Test & TH exemption
   • 3 replies
   • 1.5k views
   • 
   • John Feldt ERPA CPC QPA
   • August 11, 2016

9. participant loans (large minimum)

   By Scuba 401, January 26, 2018
   • 3 replies
   • 804 views
   • 
   • Madison71
   • January 26, 2018

10. 401k to Simple 401k

    By cpc0506, July 17, 2019
    • 3 replies
    • 898 views
    • 
    • digger
    • July 18, 2019

11. Plan has Division A and Divison B with Different Match Policies

    By austin3515, December 7, 2023
    • 3 replies
    • 577 views
    • 
    • CuseFan
    • December 7, 2023

12. Ex-employee owes employer $, can the employer take the money when the

    By Guest Kevin Plymyer, December 29, 2000
    • 3 replies
    • 3.4k views
    • 
    • david rigby
    • January 2, 2001

13. Processing deferrals before payroll date

    By BG5150, December 8, 2025
    • 3 replies
    • 685 views
    • 
    • BG5150
    • December 9, 2025

14. HCE Determination

    By DTH, May 9, 2003
    • 3 replies
    • 1.3k views
    • 
    • MWeddell
    • May 12, 2003

15. Termination and 401K

    By Guest gman26, April 29, 2004
    • 3 replies
    • 2.1k views
    • 
    • jquazza
    • April 30, 2004

16. Audit Requirements

    By Jilliandiz, June 6, 2006
    • 3 replies
    • 1.4k views
    • 
    • Nate X
    • June 6, 2006

17. Late deferrals - responsibility & who deposits

    By TPApril, June 27, 2014
    • 3 replies
    • 904 views
    • 
    • ESOP Guy
    • June 30, 2014

18. Family and ownership attribution

    By Pammie57, January 31, 2019
    • 3 replies
    • 3k views
    • 
    • Larry Starr
    • February 5, 2019

19. Spouse/Participant Inherited IRA

    By Plan Doc, March 8, 2023
    • 3 replies
    • 634 views
    • 
    • Plan Doc
    • March 11, 2023

20. can IRS grab 401(k) to pay taxes owed?

    By MR, December 4, 2003
    • 3 replies
    • 2.2k views
    • 
    • MR
    • December 5, 2003

21. Calculating Gains on Excess Deferrals for failed ADP

    By MBCarey, February 16, 2005
    • 3 replies
    • 3.3k views
    • 
    • MBCarey
    • February 16, 2005

22. Life Insurance Policy in 401(k) Plan

    By Guest michelle02, April 25, 2005
    • 3 replies
    • 2.3k views
    • 
    • mschwechter
    • April 28, 2005

23. REAL ESTATE - RESPA

    By Guest AlyssaC, May 3, 2006
    • 3 replies
    • 1.3k views
    • 
    • ERISAnut
    • May 3, 2006

24. New auto enroll set up

    By pmacduff, March 24, 2015
    • 3 replies
    • 1.5k views
    • 
    • K2retire
    • March 25, 2015

25. Using elective contributions to pass ACP test under prior year testing

    By Guest GBMcGrath, March 5, 1999
    • 3 replies
    • 1.8k views
    • 
    • Guest
    • March 14, 2001

26. Anyone have a de minimis policy pertaining to returning excess contrib

    By John A, December 7, 1999
    • 3 replies
    • 2k views
    • 
    • Guest
    • February 15, 2001

27. Is my one-participant 401(k) out of compliance? I want to terminate it.

    By sify iway, May 23, 2023
    • 3 replies
    • 712 views
    • 
    • Bill Presson
    • May 24, 2023

28. Do we still need to track Section 125 data?

    By Guest FREE401k, April 3, 2002
    • 3 replies
    • 1.3k views
    • 
    • Blinky the 3-eyed Fish
    • April 3, 2002

29. Hardship for Preventative Home "Repair"

    By BTG, December 8, 2025
    • 3 replies
    • 621 views
    • 
    • Peter Gulia
    • December 10, 2025

30. Match Forfeit

    By Guest Mike Schwing, January 28, 2003
    • 3 replies
    • 1.5k views
    • 
    • Alf
    • January 28, 2003

31. Highly Compensated Employees

    By Guest jetfaninmn, February 13, 2006
    • 3 replies
    • 2k views
    • 
    • WDIK
    • February 13, 2006

32. Final 415 Regs' Post-Severance Comp -

    By rocknrolls2, February 15, 2008
    • 3 replies
    • 1.8k views
    • 
    • ak2ary
    • February 18, 2008

33. union employees and separate plan provisions

    By Guest Iwonder, September 2, 2011
    • 3 replies
    • 2.8k views
    • 
    • Guest
    • September 12, 2011

34. Correcting ADP Test Failure Under EPCRS

    By Madison71, October 10, 2017
    • 3 replies
    • 1k views
    • 
    • Madison71
    • October 10, 2017

35. 401k entitlement

    By Sheila Mitchell, August 26, 2018
    • 3 replies
    • 759 views
    • 
    • QDROphile
    • August 28, 2018

36. Highly Compensated Issue

    By pmacduff, August 2, 2002
    • 3 replies
    • 1.5k views
    • 
    • MJ Hartman
    • August 5, 2002

37. Control Group?

    By 401king, September 4, 2009
    • 3 replies
    • 1.2k views
    • 
    • R. Butler
    • September 4, 2009

38. Deferrals in excess of the 402(g) Limit

    By MarZDoates, March 25, 2015
    • 3 replies
    • 1k views
    • 
    • Tom Poje
    • March 25, 2015

39. Form 5500 Count

    By coleboy, June 9, 2016
    • 3 replies
    • 1.1k views
    • 
    • austin3515
    • June 10, 2016

40. 401k hardship for down payment on home purchase

    By 7kafrank, June 29, 2018
    • 3 replies
    • 744 views
    • 
    • 7kafrank
    • June 30, 2018

41. Controlled Group/Affiliated Service Group Question

    By Gadgetfreak, December 30, 2020
    • 3 replies
    • 1.4k views
    • 
    • FORMER ESQ.
    • January 1, 2021

42. Late Form 5500

    By Guest JBarn, August 18, 1999
    • 3 replies
    • 1.6k views
    • 
    • Guest
    • August 21, 1999

43. Real World, Real Problem, Real Ugly

    By imchipbrown, March 12, 2000
    • 3 replies
    • 1.5k views
    • 
    • Guest
    • March 14, 2000

44. Implementing a safe harbor 401(k) plan in a union environment

    By Guest AngelB, October 24, 2001
    • 3 replies
    • 1.8k views
    • 
    • Tom Poje
    • October 25, 2001

45. Catch-Up Question on Off-Calendar plan?

    By Guest KD40, January 28, 2003
    • 3 replies
    • 1.3k views
    • 
    • kocak
    • January 28, 2003

46. Rollovers

    By Jilliandiz, November 18, 2005
    • 3 replies
    • 1.5k views
    • 
    • Appleby
    • November 18, 2005

47. Change to Elig for SH Nonelective Mid-Year

    By Laura Harrington, September 30, 2009
    • 3 replies
    • 1.3k views
    • 
    • Kevin C
    • October 1, 2009

48. Allocation Requirements Retro Waiver

    By LANDO, January 31, 2014   

    • Allocation Requirements Waive
    • 3 replies
    • 1.4k views
    • 
    • LANDO
    • February 3, 2014

49. FMLA leave

    By Belgarath, July 7, 2020
    • 3 replies
    • 1.4k views
    • 
    • hr for me
    • July 8, 2020

50. Protected Benefit - Definition of Disability

    By 52626, January 10, 2023
    • 3 replies
    • 1.4k views
    • 
    • casey72
    • January 18, 2023