401(k) Plans

19,321 topics in this forum

1. Possible to be HCE and NHCE in same year?

   By gregburst, August 14, 2012
   • 2 replies
   • 1.2k views
   • 
   • gregburst
   • August 15, 2012

2. Rev. Rul. 58-230 says a participant can get in-service withdrawal if he incurs a 6 month suspension from participation. Still in effect?

   By Guest Giovanni, September 26, 2003
   • 2 replies
   • 1.2k views
   • 
   • david rigby
   • September 26, 2003

3. Who's the Employer?

   By 12AX7, December 1, 2010
   • 2 replies
   • 1.2k views
   • 
   • 12AX7
   • December 1, 2010

4. Remove salary deferral provision?

   By Guest penman, December 12, 2004
   • 1 reply
   • 1.2k views
   • 
   • austin3515
   • December 12, 2004

5. Annuity Option Language in 401(k) Plan

   By rocknrolls2, September 8, 2006
   • 1 reply
   • 1.2k views
   • 
   • Bird
   • September 8, 2006

6. DB plan to DC plan

   By lexi, July 11, 2006
   • 2 replies
   • 1.2k views
   • 
   • Blinky the 3-eyed Fish
   • July 12, 2006

7. Preventing 415 Failure w/ 401K Plan

   By Guest Golden401k, February 27, 2009
   • 4 replies
   • 1.2k views
   • 
   • Mike Preston
   • March 2, 2009

8. Controlled Group/testing question

   By Dan, September 18, 2006
   • 4 replies
   • 1.2k views
   • 
   • Dan
   • September 19, 2006

9. timing of sole proprietor 401k deposits

   By Guest EPS2, March 14, 2011
   • 1 reply
   • 1.2k views
   • 
   • Guest
   • March 15, 2011

10. Use of Forfeiture Account Balance with Terminating Plan

    By waid10, July 14, 2023   

    • terminating plans
    • forfeiture
    • 4 replies
    • 1.2k views
    • 
    • Paul I
    • July 14, 2023

11. Prevailing wage ADP test

    By R. Butler, August 24, 2017
    • 1 reply
    • 1.2k views
    • 
    • ETA Consulting LLC
    • August 24, 2017

12. Amend Money Purchase to PS/401(k)

    By PMC, February 20, 2007
    • 2 replies
    • 1.2k views
    • 
    • John Feldt ERPA CPC QPA
    • February 20, 2007

13. targeted vesting

    By Guest moltengater, April 26, 2005
    • 4 replies
    • 1.2k views
    • 
    • MWeddell
    • April 27, 2005

14. Reduction of cross tested percentage to NHCEs from 7% to 3%, but 5% has already been deposited into Participant accounts. Can cash be removed?

    By Guest ChopperPilot, March 10, 2005
    • 3 replies
    • 1.2k views
    • 
    • Bird
    • March 11, 2005

15. HCE Rate Groups

    By FJR, September 23, 2004
    • 4 replies
    • 1.2k views
    • 
    • Tom Poje
    • September 24, 2004

16. Changing Plan Year

    By Guest kstorch, April 15, 2004
    • 2 replies
    • 1.2k views
    • 
    • RCK
    • April 15, 2004

17. 404(a)(5) and plans that cover only owners

    By 12AX7, July 31, 2012
    • 8 replies
    • 1.2k views
    • 
    • austin3515
    • July 31, 2012

18. Control Group Determination

    By pixmax, July 23, 2014
    • 6 replies
    • 1.2k views
    • 
    • My 2 cents
    • July 24, 2014

19. Full-time for specific RATE of contribution

    By austin3515, July 30, 2014
    • 18 replies
    • 1.2k views
    • 
    • Kevin C
    • July 31, 2014

20. Retirement status as it relates to a P/S allocation

    By Guest Achilles, January 8, 2004
    • 3 replies
    • 1.2k views
    • 
    • chris
    • January 8, 2004

21. Eligibility Plan Amendment Rules

    By Thomas Red, June 6, 2022
    • 9 replies
    • 1.2k views
    • 
    • C. B. Zeller
    • June 8, 2022

22. Gateway Minimum

    By LMD1, November 17, 2014
    • 1 reply
    • 1.2k views
    • 
    • Tom Poje
    • November 17, 2014

23. Claims Procedures for Defined Contribution Plans

    By Guest Donaldson, January 24, 2003
    • 2 replies
    • 1.2k views
    • 
    • Guest
    • January 24, 2003

24. Is the effective date on the enrollment form a big deal? What about the amount to be deferred?

    By Guest DIGMYDOG, January 14, 2004
    • 4 replies
    • 1.2k views
    • 
    • ccassetty
    • January 16, 2004

25. Extending Initial Plan Year to Avoid Short Plan Year

    By 401 Chaos, December 22, 2009
    • 2 replies
    • 1.2k views
    • 
    • 401 Chaos
    • December 30, 2009

26. QACA Auto Increases - who gets increased, and when?

    By Mr401k, May 2, 2017
    • 11 replies
    • 1.2k views
    • 
    • TPAJake
    • May 8, 2017

27. Check the Box SPD

    By austin3515, December 17, 2002
    • 3 replies
    • 1.2k views
    • 
    • Kirk Maldonado
    • December 18, 2002

28. Hardship Distribution Due To Hurricane

    By metsfan026, November 21, 2022
    • 5 replies
    • 1.2k views
    • 
    • FT Retire
    • November 21, 2022

29. Consulting Firm Question

    By jstorch, June 16, 2008
    • 2 replies
    • 1.2k views
    • 
    • masteff
    • June 16, 2008

30. Top Heavy Contribution

    By Guest jetfaninmn, November 28, 2005
    • 1 reply
    • 1.2k views
    • 
    • Leopurrd
    • November 28, 2005

31. Loan Calculation

    By Guest jetfaninmn, August 18, 2005
    • 2 replies
    • 1.2k views
    • 
    • Guest
    • August 18, 2005

32. LLP

    By Guest Rutager, February 5, 2007
    • 1 reply
    • 1.2k views
    • 
    • BeckyMiller
    • February 20, 2007

33. IRS audit requests for 401k plan and or profit sharing

    By jeanh, May 27, 2025
    • 10 replies
    • 1.2k views
    • 
    • Bill Presson
    • June 1, 2025

34. 1099-R(s) for 402(g) excess

    By BG5150, March 15, 2022
    • 1 reply
    • 1.2k views
    • 
    • Lou S.
    • March 15, 2022

35. matching contribution for controlled group

    By Pixie, January 5, 2015   

    • match
    • controlled group
    • 1 reply
    • 1.2k views
    • 
    • Lou S.
    • January 5, 2015

36. Safe Harbor 401(k)

    By R. Butler, August 24, 2011
    • 2 replies
    • 1.2k views
    • 
    • cpc0506
    • August 24, 2011

37. Term Profit Sharing/Keep 401(k)??!??

    By Guest Powers, July 28, 2003
    • 4 replies
    • 1.2k views
    • 
    • Guest
    • July 31, 2003

38. safe harbor contributions

    By mlp0816, December 14, 2005
    • 2 replies
    • 1.2k views
    • 
    • Tom Poje
    • December 14, 2005

39. How bad does this mid-year SHM change feel?

    By AlbanyConsultant, March 13, 2017
    • 6 replies
    • 1.2k views
    • 
    • Kevin C
    • March 14, 2017

40. early entry in plan

    By cpc0506, June 18, 2010
    • 1 reply
    • 1.2k views
    • 
    • Jim Chad
    • June 21, 2010

41. Required Minimim Distributions for 2008

    By Alex Daisy, December 24, 2008
    • 1 reply
    • 1.2k views
    • 
    • MSN
    • December 24, 2008

42. EPCRS

    By Nassau, July 20, 2007
    • 0 replies
    • 1.2k views
    • 
    • Nassau
    • July 20, 2007

43. Suspending Safe Harbor Match-Top Heavy

    By Guest JCM, June 14, 2012
    • 5 replies
    • 1.2k views
    • 
    • ETA Consulting LLC
    • June 15, 2012

44. Prohibited Transaction

    By 30Rock, September 29, 2010
    • 2 replies
    • 1.2k views
    • 
    • Guest
    • October 5, 2010

45. Profit Sharing Contributions Exceeding Annual Additions Limit Across Multiple Employers

    By 401 Chaos, March 22, 2022
    • 2 replies
    • 1.2k views
    • 
    • Nate S
    • March 22, 2022

46. Late deposit due to mail service

    By Guest SueJ, April 15, 2003
    • 3 replies
    • 1.2k views
    • 
    • GBurns
    • April 15, 2003

47. foreign employees 401(k) participation?

    By TMcfall, August 3, 2021
    • 3 replies
    • 1.2k views
    • 
    • Jakyasar
    • August 3, 2021

48. Amend participation requirements

    By Guest esi-jht, February 9, 2006
    • 1 reply
    • 1.2k views
    • 
    • ak2ary
    • February 9, 2006

49. Terminated employee with remaining vacation days

    By Guest Giovanni, September 2, 2005
    • 2 replies
    • 1.2k views
    • 
    • Guest
    • September 8, 2005

50. Safe harbor formula

    By QNPG, May 18, 2011
    • 2 replies
    • 1.2k views
    • 
    • QNPG
    • May 18, 2011