401(k) Plans

19,321 topics in this forum

1. TPA Merges with Another

   By austin3515, February 28, 2011
   • 2 replies
   • 987 views
   • 
   • david rigby
   • March 1, 2011

2. Safe Harbor Plan w/ additional Match - ACP Test or not?

   By Guest Puff, August 11, 2014   

   • SHNE with match
   • 2 replies
   • 1.2k views
   • 
   • Guest
   • August 11, 2014

3. Fiscal Year 401k / Deferral Limits

   By cheersmate, May 6, 2015   

   • fiscal year
   • maximum limits
   • 2 replies
   • 3.6k views
   • 
   • cheersmate
   • May 6, 2015

4. counted for ADP test or not

   By thepensionmaven, February 8, 2016
   • 2 replies
   • 673 views
   • 
   • Tom Poje
   • February 9, 2016

5. Employee contributions to HSA, NOT through 125 plan

   By Belgarath, March 28, 2016
   • 2 replies
   • 711 views
   • 
   • Belgarath
   • March 28, 2016

6. Change to Definition of Disability

   By 7806akp, March 5, 2018   

   • is it a change to vesting schedule under 411(a)(10)?
   • 2 replies
   • 1.4k views
   • 
   • 7806akp
   • March 6, 2018

7. Auto enrollment failure - Is retroactive opt out permitted?

   By Clare, August 9, 2018
   • 2 replies
   • 593 views
   • 
   • K2
   • August 11, 2018

8. ESOPs

   By Guest Edward McElroy, August 24, 1998
   • 2 replies
   • 6.6k views
   • 
   • Guest
   • August 24, 1998

9. Must a plan stipulate a maximum percentage for employee contributions

   By MWeddell, November 8, 1999
   • 2 replies
   • 1.8k views
   • 
   • Brenda Wren
   • November 11, 1999

10. Plan sponsor becomes CG later in the year

    By Jakyasar, May 7, 2023
    • 2 replies
    • 569 views
    • 
    • Calavera
    • May 8, 2023

11. Controlled Groups

    By Guest lallain, February 14, 2002
    • 2 replies
    • 1.4k views
    • 
    • Guest
    • February 14, 2002

12. ADP/ACP Testing - Prior vs Current

    By Guest kgsingletary, March 14, 2002
    • 2 replies
    • 2.1k views
    • 
    • Guest
    • March 15, 2002

13. 401(k)

    By Guest JFBEARB, May 9, 2002
    • 2 replies
    • 1.6k views
    • 
    • Blinky the 3-eyed Fish
    • May 10, 2002

14. What is a KSOP?

    By Guest cody, July 29, 2004
    • 2 replies
    • 2.2k views
    • 
    • Guest
    • August 3, 2004

15. 401K for Dummies - How much can I put in?

    By Guest fsutaylor31, October 27, 2004
    • 2 replies
    • 4k views
    • 
    • Guest
    • November 3, 2004

16. 2005 max contribution for sole prop

    By Santo Gold, January 10, 2006
    • 2 replies
    • 1.7k views
    • 
    • saabraa
    • January 10, 2006

17. terminating safe harbor plan with employer contributions

    By LIBERTYKID, February 7, 2008
    • 2 replies
    • 1.4k views
    • 
    • Tom Poje
    • February 8, 2008

18. 401(k) Correction Issue

    By Guest ccl, January 30, 2009
    • 2 replies
    • 1.7k views
    • 
    • PAL
    • February 6, 2009

19. Any Limits on Match in 401(k)?

    By ERISA-Bubs, November 1, 2011
    • 2 replies
    • 890 views
    • 
    • ETA Consulting LLC
    • November 1, 2011

20. Additional funding due on Plan that is terminating

    By MaryM, December 11, 2015
    • 2 replies
    • 654 views
    • 
    • MaryM
    • December 11, 2015

21. Inclusion of Ineligible Employees

    By CLE401kGuy, May 24, 2016
    • 2 replies
    • 699 views
    • 
    • CLE401kGuy
    • May 24, 2016

22. Loan Deemed Distribution

    By austin3515, January 18, 2017
    • 2 replies
    • 419 views
    • 
    • BG5150
    • January 18, 2017

23. SMM Required for change from Integrated to Cross-tested

    By Brandon1997, December 11, 2019
    • 2 replies
    • 686 views
    • 
    • Larry Starr
    • December 11, 2019

24. SECURE ACT Safe Harbor Notice

    By Pensions2020, February 4, 2020   

    • secure act
    • safe harbor
    • 2 replies
    • 744 views
    • 
    • sb0828
    • February 11, 2020

25. Top Heavy with dual eligibility for deferral and safe harbor

    By Lou81, May 19, 2021   

    • top heavy
    • safe habor
    • 2 replies
    • 757 views
    • 
    • Lou81
    • May 20, 2021

26. Match by payroll but employee max out earlier

    By Sarah73, October 21, 2022
    • 2 replies
    • 589 views
    • 
    • CuseFan
    • October 21, 2022

27. HCE Exclusion in 401(k) Plan

    By Hoard1, February 23, 2000
    • 2 replies
    • 1.6k views
    • 
    • MWeddell
    • February 24, 2000

28. Top Heavy Minimum Contribution

    By Guest Frank Jackson, June 12, 2000
    • 2 replies
    • 1.4k views
    • 
    • Guest
    • June 13, 2000

29. ASGs and Surgery Centers

    By Guest MikeD, May 19, 2004
    • 2 replies
    • 1.4k views
    • 
    • Guest
    • May 19, 2004

30. APD Excess and Spin Off

    By DTH, December 9, 2004
    • 2 replies
    • 1.8k views
    • 
    • DTH
    • December 30, 2004

31. SH Cnt & Otherwise Excludable Employees

    By Guest LoloV, January 25, 2005
    • 2 replies
    • 1.5k views
    • 
    • Guest
    • January 25, 2005

32. Return of automatic deferrals

    By Guest Sieve, August 3, 2009
    • 2 replies
    • 1.5k views
    • 
    • Kevin C
    • August 3, 2009

33. Custodian policies on transferring assets

    By MSN, January 25, 2013
    • 2 replies
    • 989 views
    • 
    • ETA Consulting LLC
    • January 28, 2013

34. Schedule C, last year's ee cost

    By Bri, March 28, 2016   

    • self-employed
    • scehdule c.
    • 2 replies
    • 820 views
    • 
    • Bird
    • March 29, 2016

35. one person plans subject to DOL's 7-day deferral deposit rule?

    By Pinefresh, May 24, 2016
    • 2 replies
    • 764 views
    • 
    • rcline46
    • May 25, 2016

36. Missed match for HCE

    By BG5150, February 3, 2021
    • 2 replies
    • 1.1k views
    • 
    • CuseFan
    • February 3, 2021

37. Split between pretax and Roth when employee about to max out

    By Sarah73, October 21, 2022
    • 2 replies
    • 879 views
    • 
    • Lou S.
    • October 21, 2022

38. Loan Fees

    By Guest Melissa Winslow, June 13, 2000
    • 2 replies
    • 2k views
    • 
    • Guest
    • June 13, 2000

39. Participating Employer

    By Alex M., May 8, 2023
    • 2 replies
    • 528 views
    • 
    • Paul I
    • May 8, 2023

40. Loans from 401(k) Were for More Than 50% of Vested Balance; How to Fix?

    By MikeB, July 30, 2025
    • 2 replies
    • 893 views
    • 
    • Peter Gulia
    • July 31, 2025

41. Safe Harbor PlanTwo-Year Wait?

    By ljr, November 10, 2003
    • 2 replies
    • 1.5k views
    • 
    • Guest
    • November 10, 2003

42. Prior year testing and top paid group election

    By dmb, January 13, 2004
    • 2 replies
    • 1.3k views
    • 
    • R. Butler
    • January 13, 2004

43. "Deemed 125 compensation" - What is it?

    By Guest ChopperPilot, March 4, 2005
    • 2 replies
    • 6.8k views
    • 
    • stevena
    • March 5, 2005

44. PPA Vesting Rules

    By davef, September 27, 2006
    • 2 replies
    • 2.2k views
    • 
    • namealreadyinuse
    • September 28, 2006

45. RMD

    By Guest lnewhouse, February 14, 2007
    • 2 replies
    • 1.2k views
    • 
    • Guest
    • February 14, 2007

46. Spot Bonus Employee Reconition Awards Deferrals

    By Guest IRISH79, May 31, 2007
    • 2 replies
    • 2k views
    • 
    • JanetM
    • June 1, 2007

47. 401k deductions subject to FUTA/SUTA?

    By Lori H, April 7, 2009
    • 2 replies
    • 16.1k views
    • 
    • Don Levit
    • April 8, 2009

48. merger safe harbor plan and non safe harbor plan

    By k man, August 3, 2009
    • 2 replies
    • 1.5k views
    • 
    • k man
    • August 5, 2009

49. ERISA BOND

    By Guest Serena, August 4, 2010
    • 2 replies
    • 1.3k views
    • 
    • Guest
    • August 4, 2010

50. Mid year term - still safe harbor?

    By Lou S., November 1, 2011
    • 2 replies
    • 856 views
    • 
    • Lou S.
    • November 1, 2011