401(k) Plans

19,332 topics in this forum

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

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

2. 401K Roll over without spousal consent

   By Guest J.D., April 4, 2012
   • 12 replies
   • 37.9k views
   • 
   • Guest
   • April 7, 2012

3. owner w/0 hrs, max pay

   By TPApril, March 2, 2018
   • 12 replies
   • 802 views
   • 
   • Patricia Neal Jensen
   • March 14, 2018

4. Participant Loan w/ Wrong Interest Rate

   By austin3515, December 9, 2019
   • 12 replies
   • 2.1k views
   • 
   • Luke Bailey
   • December 10, 2019

5. Issue Snapshot — Deductibility of employer contributions to a 401(k) plan made after the end of the tax year

   By Jakyasar, July 17, 2023
   • 12 replies
   • 2k views
   • 
   • Belgarath
   • July 21, 2023

6. Safe Harbor Plans and 410(b)

   By ERISAAPPLE, March 4, 2018
   • 12 replies
   • 4k views
   • 
   • Mike Preston
   • March 6, 2018

7. Can a trust sponsor a 401(k)?

   By KEM, May 5, 2023   

   • trust
   • plan sponsor
   • (and 2 more)

     Tagged with:

     • trust
     • plan sponsor
     • 401k
     • plan
   • 12 replies
   • 1.9k views
   • 
   • KEM
   • May 11, 2023

8. SOLO 401K MISFILED - HOW TO HANDLE?

   By jbsoffen, November 20, 2023
   • 12 replies
   • 2.1k views
   • 
   • Appleby
   • November 24, 2023

9. Loans remain with provider, or transfer with plan?

   By 401king, January 20, 2010
   • 12 replies
   • 1.8k views
   • 
   • rcline46
   • January 22, 2010

10. Match formula that wants to be SH

    By AlbanyConsultant, March 23, 2011
    • 12 replies
    • 1.7k views
    • 
    • Guest
    • March 23, 2011

11. Changes in 2010 SE Calculation... Or Not?

    By austin3515, January 27, 2011
    • 12 replies
    • 1.8k views
    • 
    • 12AX7
    • March 23, 2011

12. Spin-Off - When is it appropriate to do a spin-off 401(k)?

    By MrsMacias, June 6, 2022
    • 12 replies
    • 5.2k views
    • 
    • Nate S
    • June 11, 2022

13. ACP 4% non-discretionary match

    By Bruce1, January 29, 2025
    • 12 replies
    • 1.4k views
    • 
    • RatherBeGolfing
    • February 11, 2025

14. Safe Harbor Match with dollar certain contribution

    By legort69, April 19, 2013   

    • safe harbor dollar certain
    • 12 replies
    • 2.3k views
    • 
    • GMK
    • May 10, 2013

15. 401k Catch-up Contributions

    By JerT, July 2, 2019
    • 12 replies
    • 1k views
    • 
    • Mr Bagwell
    • July 9, 2019

16. Real estate investment

    By Guest Quacka, December 10, 2008
    • 12 replies
    • 1.6k views
    • 
    • Guest
    • December 11, 2008

17. How must a 404(a)(5) Notice be delivered?

    By ldr, August 10, 2018   

    • 404(a)(5)
    • disclosure
    • 12 replies
    • 5.3k views
    • 
    • RatherBeGolfing
    • January 5, 2020

18. OK for employer to pay an annual per-participant charges for employed

    By PMC, October 2, 2000
    • 12 replies
    • 2.2k views
    • 
    • alanm
    • October 11, 2000

19. Date of Adoption Agreement Signatures

    By khn, May 7, 2019
    • 12 replies
    • 3.1k views
    • 
    • Luke Bailey
    • May 10, 2019

20. How long can they put me off on 401k death benefits?

    By Guest dulan, November 20, 2006
    • 12 replies
    • 10.4k views
    • 
    • Just Me
    • December 12, 2006

21. What are the differences between a 401k rollover and a 401k transfer?

    By DonReynolds, July 1, 2015   

    • 401k
    • 401k rollover
    • 12 replies
    • 3.2k views
    • 
    • Mike Preston
    • July 6, 2015

22. Exclusions in a Safe Harbor 401(k) Plan

    By Guest facade, April 26, 2006
    • 12 replies
    • 9.9k views
    • 
    • Guest
    • April 28, 2006

23. Participant Audit Guidelines

    By Guest Jason_V, August 8, 2006
    • 12 replies
    • 2.9k views
    • 
    • Guest
    • August 21, 2006

24. 3(16)

    By austin3515, September 3, 2019
    • 12 replies
    • 1.2k views
    • 
    • jpod
    • October 31, 2019

25. Aggregating plans of the employer for 401(k) testing

    By Guest R. Daestrom, November 19, 2004
    • 12 replies
    • 2.2k views
    • 
    • JanetM
    • November 22, 2004

26. Double taxation on loan repayment?

    By Guest Spock, August 5, 2010
    • 12 replies
    • 5.8k views
    • 
    • movedon
    • August 12, 2010

27. adding PS and vesting

    By Jakyasar, October 19, 2020
    • 12 replies
    • 2k views
    • 
    • BG5150
    • October 22, 2020

28. "Back Door Roth"

    By ldr, February 7, 2020   

    • voluntary contributios
    • back door roth
    • (and 1 more)

      Tagged with:

      • voluntary contributios
      • back door roth
      • acp test
    • 12 replies
    • 3.3k views
    • 
    • MWeddell
    • February 14, 2020

29. 401(k) Plan is irreparable

    By TPApril, September 24, 2021
    • 12 replies
    • 2k views
    • 
    • Peter Gulia
    • September 29, 2021

30. New safe harbor plan for 2009

    By Guest Georgia1, August 31, 2009
    • 12 replies
    • 1.5k views
    • 
    • Guest
    • February 5, 2010

31. allowing deferrals in 401(k) plan before document is actually executed

    By Guest beth beaube, July 7, 1999
    • 12 replies
    • 2.6k views
    • 
    • LCARUSI
    • July 21, 1999

32. 401k Loans and Bankruptcy

    By Guest Una M, September 27, 2001
    • 12 replies
    • 7.2k views
    • 
    • Guest
    • October 3, 2001

33. Correcting Coverage Failure

    By Guest Midas, May 18, 2005
    • 12 replies
    • 6.6k views
    • 
    • Tom Poje
    • May 20, 2005

34. HCE Deferral Never Contributed

    By DP, September 8, 2003
    • 12 replies
    • 1.8k views
    • 
    • E as in ERISA
    • September 10, 2003

35. Embezzle to 401(k) plan

    By sla, February 12, 2016
    • 12 replies
    • 1.5k views
    • 
    • BG5150
    • February 15, 2016

36. 401K loan pay-back

    By angie.jackson@bmhcc.org, August 23, 2017
    • 12 replies
    • 1.3k views
    • 
    • RatherBeGolfing
    • August 24, 2017

37. Fully Vested Match = QMAC?

    By legort69, January 23, 2019
    • 12 replies
    • 2.9k views
    • 
    • MWeddell
    • December 6, 2019

38. Sole Prop defers on draw, then has zero Sch. C income

    By Belgarath, August 31, 2020
    • 12 replies
    • 1.4k views
    • 
    • Bird
    • September 1, 2020

39. What is a "party in interest" ?

    By Moe Howard, December 3, 2001
    • 12 replies
    • 17.3k views
    • 
    • Guest
    • December 4, 2001

40. 404(c)

    By Guest cabenefits, July 9, 2003
    • 12 replies
    • 2.3k views
    • 
    • g8r
    • July 12, 2003

41. key employee Which "plan year" do you use to determine keys for top-heavy

    By Luke Bailey, November 28, 2018   

    • top-heavy
    • 416(i)(1)
    • 12 replies
    • 3.4k views
    • 
    • Mike Preston
    • November 30, 2018

42. Safe Harbor Non Elective Cont

    By Alex Daisy, April 20, 2010
    • 12 replies
    • 6.5k views
    • 
    • Kevin C
    • May 6, 2010

43. Eligible in 2 plans, defers max in both

    By John Feldt ERPA CPC QPA, November 19, 2008
    • 12 replies
    • 1.6k views
    • 
    • John Feldt ERPA CPC QPA
    • November 21, 2008

44. 70 1/2 Minimum Required Distribution

    By Guest dmband1, November 9, 2001
    • 12 replies
    • 3.3k views
    • 
    • Guest
    • March 5, 2002

45. Partial Distributions No Longer Valid ?

    By KazzaDoom, November 30, 2018   

    • 401k
    • qdro
    • (and 2 more)

      Tagged with:

      • 401k
      • qdro
      • distribution
      • withdraw
    • 12 replies
    • 4.9k views
    • 
    • Larry Starr
    • December 1, 2018

46. Employee Deferrals - how long is too long? Does a long lag affect ear

    By Guest jkrainak, July 31, 2000
    • 12 replies
    • 2.4k views
    • 
    • k man
    • July 31, 2000

47. Plan w/o HCEs - testing issues?

    By Guest Benefitsrock, September 6, 2007
    • 12 replies
    • 2.7k views
    • 
    • CTipper
    • September 16, 2007

48. Individual HCE allocation groups in XT 401k

    By Guest NiceGuyMike, April 28, 2004
    • 12 replies
    • 2.9k views
    • 
    • WDIK
    • May 10, 2004

49. Surrender insurance and transfer CV into other assets in the Plan

    By cdavis25, July 23, 2013
    • 12 replies
    • 4.8k views
    • 
    • Bird
    • July 26, 2013

50. Top Heavy Calc: inactive employee - include?

    By TPApril, June 22, 2022
    • 12 replies
    • 1.7k views
    • 
    • FORMER ESQ.
    • June 27, 2022