401(k) Plans

19,317 topics in this forum

1. Is my salary included for deduction limit?

   By Jakyasar, August 2, 2022
   • 12 replies
   • 1.4k views
   • 
   • Jakyasar
   • August 4, 2022

2. Top Heavy Agrgregation

   By KJohnson, February 25, 2000
   • 12 replies
   • 2.4k views
   • 
   • Guest
   • May 10, 2001

3. Match Allocations and Annual Compensation Limits

   By King of Queens, June 9, 2020
   • 12 replies
   • 5.2k views
   • 
   • EagerToKnow
   • October 13, 2021

4. Can create a 2020 SHS plan early December

   By BG5150, November 27, 2019
   • 12 replies
   • 992 views
   • 
   • Kevin C
   • December 4, 2019

5. TPA Signing the 5500 as Plan Administrator

   By CLE401kGuy, November 4, 2021
   • 12 replies
   • 3.9k views
   • 
   • RatherBeGolfing
   • November 8, 2021

6. 1099 Contractor or Leased Employee

   By austin3515, March 29, 2012
   • 12 replies
   • 10.5k views
   • 
   • Bill Presson
   • March 30, 2012

7. Allocating/testing on Partial Compensation

   By abanky, June 18, 2015
   • 12 replies
   • 1.9k views
   • 
   • Mike Preston
   • June 26, 2015

8. Loan Repayments/Payroll Cycle Change

   By whitboston, May 19, 2006
   • 12 replies
   • 7.6k views
   • 
   • Mike Preston
   • May 19, 2006

9. Spouse designations upon divorce.

   By dragondon, October 10, 2022
   • 12 replies
   • 5.6k views
   • 
   • Luke Bailey
   • October 17, 2022

10. ADP Testing Method Amendment ?

    By Leopurrd, February 27, 2006
    • 12 replies
    • 3.8k views
    • 
    • rcline46
    • March 5, 2006

11. Frionge Benefit Or Not...

    By austin3515, January 20, 2011
    • 12 replies
    • 3.6k views
    • 
    • masteff
    • January 21, 2011

12. Hardship Withdrawal

    By Guest tlemaster, September 2, 2003
    • 12 replies
    • 3k views
    • 
    • Guest
    • September 4, 2003

13. Excludable Employees and Cross-testing

    By Guest CAP, February 28, 2005
    • 12 replies
    • 2.3k views
    • 
    • jquazza
    • March 2, 2005

14. Mid-year changes to safe-harbor plans

    By Peter Gulia, January 29, 2016   

    • 1.401(k)-3; 1.401(m)-3
    • 12 replies
    • 3.5k views
    • 
    • ERISA newbie
    • February 4, 2016

15. Is anyone on the message board affiliated with ASPPA?

    By stevena, September 21, 2005
    • 12 replies
    • 1.8k views
    • 
    • Appleby
    • October 1, 2005

16. Is my salary part of the deduction limit?

    By Jakyasar, April 20, 2023
    • 12 replies
    • 752 views
    • 
    • BG5150
    • April 24, 2023

17. Special Tax Notice

    By austin3515, January 17, 2024
    • 12 replies
    • 2.7k views
    • 
    • Peter Gulia
    • January 17, 2024

18. LLC owner who deferred but had negative earnings from self employment

    By Guest Robin S. Vatalaro, March 13, 2001
    • 12 replies
    • 7k views
    • 
    • BeckyMiller
    • March 26, 2001

19. 401k Catchup IRS limits

    By Linda Adams, September 25, 2017
    • 12 replies
    • 1.6k views
    • 
    • Linda Adams
    • September 26, 2017

20. ADP rate testing net comp

    By legort69, March 13, 2021
    • 12 replies
    • 1.4k views
    • 
    • Mike Preston
    • March 17, 2021

21. IRS COLA Announement is Missing Something Important

    By austin3515, November 5, 2024
    • 12 replies
    • 1k views
    • 
    • Gilmore
    • November 6, 2024

22. Opinions, please - is this abusive? re: first year testing rule

    By Brenda Wren, June 12, 2004
    • 12 replies
    • 1.9k views
    • 
    • KJohnson
    • June 16, 2004

23. Time to update NRA?

    By Riley Britton, March 14, 2021
    • 12 replies
    • 1.8k views
    • 
    • Bird
    • March 17, 2021

24. QACA--Can we do 50% up to 7% match?

    By TPAJake, September 19, 2016
    • 12 replies
    • 2.4k views
    • 
    • TPAJake
    • October 3, 2016

25. Participant has 20% of account withheld by plan and remainder paid in

    By Guest Linda Kirby, October 31, 1999
    • 12 replies
    • 1.7k views
    • 
    • Guest
    • November 5, 1999

26. ERPA Exam Sample Test Question

    By Dennis Povloski, February 14, 2010
    • 12 replies
    • 4.1k views
    • 
    • D Lewis
    • June 1, 2010

27. Changing Entry Dates

    By Monica Barnard, October 27, 2011
    • 12 replies
    • 3.2k views
    • 
    • Monica Barnard
    • October 31, 2011

28. Participant Loan Default

    By austin3515, January 12, 2017
    • 12 replies
    • 2.6k views
    • 
    • austin3515
    • January 16, 2017

29. Owner-Only Plan & Top Heavy

    By 401(k)athryn, July 12, 2023
    • 12 replies
    • 2.1k views
    • 
    • Bird
    • July 17, 2023

30. Top Paid Election and ADP Test

    By cpc0506, March 5, 2013
    • 12 replies
    • 4.5k views
    • 
    • BG5150
    • March 7, 2013

31. reasonable deferral deposit time

    By Jakyasar, March 17, 2021
    • 12 replies
    • 1.8k views
    • 
    • acm_acm
    • March 22, 2021

32. Taxable fringe benefit - "nonaccountable" plan

    By Belgarath, May 24, 2013   

    • w-2
    • deferrals
    • 12 replies
    • 10.9k views
    • 
    • K2retire
    • January 31, 2017

33. Coverage Testing and Fail Safe Language

    By justatester, June 25, 2012
    • 12 replies
    • 4.7k views
    • 
    • movedon
    • August 5, 2012

34. ERISA Plan Expense Account

    By 401(k)athryn, December 11, 2020
    • 12 replies
    • 4.5k views
    • 
    • Peter Gulia
    • March 14, 2024

35. Life insurance in a 401k plan

    By Jakyasar, May 31, 2022
    • 12 replies
    • 3k views
    • 
    • ErnieG
    • June 2, 2022

36. 401K contributions cut off due to $10,500 limit but not restarted in n

    By Guest netadmin, November 28, 2001
    • 12 replies
    • 3.5k views
    • 
    • Guest
    • December 4, 2001

37. missed deferrals, or opportunistic employee

    By K2retire, March 23, 2016
    • 12 replies
    • 1.6k views
    • 
    • jpod
    • March 24, 2016

38. loan default

    By Guest Peggy806, October 20, 2009
    • 12 replies
    • 2.2k views
    • 
    • K2retire
    • November 4, 2009

39. Should a plan’s administrator require a document to prove a birth or adoption?

    By Peter Gulia, January 31, 2020   

    • secure act
    • 12 replies
    • 3k views
    • 
    • Peter Gulia
    • February 4, 2020

40. SAR

    By Guest Juracek, February 9, 2000
    • 12 replies
    • 2.3k views
    • 
    • imchipbrown
    • February 18, 2000

41. Late deferral deposits and earnings calculation

    By Tom, September 19, 2024
    • 12 replies
    • 2.2k views
    • 
    • Peter Gulia
    • July 16, 2025

42. Amendment to Safe Harbor Plan

    By msmith, July 11, 2013
    • 12 replies
    • 7.3k views
    • 
    • msmith
    • July 13, 2013

43. 2021 Form 5558s being denied

    By ktrombino, October 18, 2022
    • 12 replies
    • 1.8k views
    • 
    • TPAinPA
    • December 1, 2022

44. 27 Reasons to use current year testing

    By Guest Tbrown, May 12, 2004
    • 12 replies
    • 2.4k views
    • 
    • Kirk Maldonado
    • December 11, 2006

45. safe harbor 401(k) and the 6 percent match

    By Guest lskin, September 23, 2005
    • 12 replies
    • 3.3k views
    • 
    • Bird
    • September 26, 2005

46. Is default at the end of the 5 year loan period or the end of the grace period if later?

    By 30Rock, March 2, 2018
    • 12 replies
    • 2.4k views
    • 
    • Bird
    • March 7, 2018

47. Annual additions

    By Guest bdm_7458, November 13, 2008
    • 12 replies
    • 2.6k views
    • 
    • austin3515
    • November 15, 2008

48. Client question about discretionary match.....need feedback

    By Pammie57, April 29, 2020
    • 12 replies
    • 651 views
    • 
    • Larry Starr
    • April 29, 2020

49. Safe Harbor 401(k) Plan/Failed 414s compensation test

    By rew, March 11, 2019
    • 12 replies
    • 7.1k views
    • 
    • Belgarath
    • May 1, 2019

50. 401K Roll over without spousal consent

    By Guest J.D., April 4, 2012
    • 12 replies
    • 37.7k views
    • 
    • Guest
    • April 7, 2012