401(k) Plans

19,299 topics in this forum

1. Plan year based on teachers contract year; are teachers terminated on last day of plan year considered terminated from plan last day of plan year?

   By Guest jusducki, October 7, 2003
   • 4 replies
   • 1.3k views
   • 
   • Guest
   • October 7, 2003

2. adp test with llc owner with negative k-1

   By MR, October 7, 2003
   • 1 reply
   • 1k views
   • 
   • Blinky the 3-eyed Fish
   • October 7, 2003

3. Client not complying with plan document

   By Guest moosegirl, October 7, 2003
   • 2 replies
   • 1.1k views
   • 
   • maverick
   • October 7, 2003

4. Embezzlement from corporation/plan sponsor by participant; any recourse for the plan sponsor?

   By Guest ELS, October 2, 2003
   • 8 replies
   • 1.8k views
   • 
   • Belgarath
   • October 6, 2003

5. How to run ADP/ACP test when plan year is amended, creating a short plan year

   By Guest cohenron, November 20, 2000
   • 12 replies
   • 3.2k views
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   • Blinky the 3-eyed Fish
   • October 6, 2003

6. Conversion from 401(k) to SIMPLE-401k

   By perkinsran, October 5, 2003
   • 1 reply
   • 1.3k views
   • 
   • Tom Poje
   • October 6, 2003

7. Late Remittances - Mistake of Fact Exception?

   By Guest Chaffee, October 2, 2003
   • 10 replies
   • 2.5k views
   • 
   • Brian Gallagher
   • October 3, 2003

8. How does a non-participant go about researching the details of a specific 401(k) plan?

   By joel, September 27, 2003
   • 7 replies
   • 1.8k views
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   • maverick
   • October 3, 2003

9. 401(k) Loans: Double taxation or not?

   By Guest InTraining, October 7, 2002
   • 40 replies
   • 12.9k views
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   • g8r
   • October 3, 2003

10. Would a 401k for a nonprofit private school make sense rather than a 403b plan?

    By Guest tpeterson1959, October 2, 2003
    • 1 reply
    • 1.6k views
    • 
    • QDROphile
    • October 2, 2003

11. OK to terminate calendar year plan as of today (10/1/03)?

    By chris, October 1, 2003
    • 3 replies
    • 2.9k views
    • 
    • chris
    • October 2, 2003

12. Exclude from definition of compensation the amount of any health coverage "buybacks"?

    By austin3515, October 1, 2003
    • 0 replies
    • 905 views
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    • austin3515
    • October 1, 2003

13. How to handle funds of missing beneficiary; participant died 15 years ago

    By PensionNewbee, September 30, 2003
    • 7 replies
    • 6.6k views
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    • Guest
    • October 1, 2003

14. Is 100% match on first 4%, fully vested, an "enhanced matching" formula for safe harbor purposes?

    By Lori H, September 30, 2003
    • 3 replies
    • 1.2k views
    • 
    • Lori H
    • September 30, 2003

15. Calendar year plan terminating as of 9/30/2003; has a last-day-of-the-plan-year employment requirement for allocations; top-heavy minimum contribution required?

    By Guest StoneWalk, September 25, 2003
    • 9 replies
    • 1.6k views
    • 
    • 401 Chaos
    • September 30, 2003

16. Coverage testing - how to handle acquiring employer's promise to make contributions 4 or 5 years from now?

    By fiona1, September 30, 2003
    • 3 replies
    • 1k views
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    • fiona1
    • September 30, 2003

17. OK for same employer to have 2 different 401(k) plans? One will be safe harbor, other will be subject to ADP testing

    By Guest RSNOW, September 30, 2003
    • 0 replies
    • 1.1k views
    • 
    • Guest
    • September 30, 2003

18. Loan taxed twice?

    By Brian Gallagher, September 30, 2003
    • 4 replies
    • 1.4k views
    • 
    • david rigby
    • September 30, 2003

19. Forfeitures account in trust fund too low to allocate properly

    By Guest HLIFECraigo, September 30, 2003
    • 0 replies
    • 1k views
    • 
    • Guest
    • September 30, 2003

20. Possible to request/receive specific plan provision approval to be included in IRS' favorable letter?

    By Guest Twitch, September 25, 2003
    • 8 replies
    • 1.9k views
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    • GBurns
    • September 30, 2003

21. Taxing distribution of less than account balance; includes pre-tax and after-tax contributions

    By jane123, September 27, 2003
    • 5 replies
    • 1.2k views
    • 
    • Fredman
    • September 29, 2003

22. Safe Harbor Match

    By DP, September 29, 2003
    • 4 replies
    • 1.2k views
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    • DP
    • September 29, 2003

23. Anyone have a survey to determine how much participation there would be for a proposed 401(k) plan?

    By Guest linden2522, September 29, 2003
    • 0 replies
    • 1k views
    • 
    • Guest
    • September 29, 2003

24. Distribution of deceased participant's account to surviving spouse's account in same plan; can survivor later roll over to IRA?

    By Lori H, May 23, 2003
    • 5 replies
    • 2.2k views
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    • Mary Kay Foss
    • September 28, 2003

25. Incorrectly included 401(k) participant (not 21 until recently) - how to fix?

    By Guest GNagler, September 26, 2003
    • 3 replies
    • 1.8k views
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    • KJohnson
    • September 27, 2003

26. 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

27. Can employer make me take my 401(k) account in cash? Over $5,000, but all rollover money.

    By Guest cfaz13, September 25, 2003
    • 22 replies
    • 18.9k views
    • 
    • ljr
    • September 26, 2003

28. Chapter 13 bankruptcy. Can an employee still contribute to the plan as well as make loan payments?

    By Guest Cookiemonster, September 25, 2003
    • 3 replies
    • 1.5k views
    • 
    • Harwood
    • September 26, 2003

29. Deferrals supposed to be suspended for 12 months after hardship distribution but 4 months after the distribution he starts deferring again; trouble?

    By Guest MNR, September 26, 2003
    • 0 replies
    • 898 views
    • 
    • Guest
    • September 26, 2003

30. Can employer require noncontributing employees to fill out a form stating they wish to make no deferrals?

    By austin3515, September 22, 2003
    • 11 replies
    • 1.9k views
    • 
    • david rigby
    • September 26, 2003

31. Should a sponsor obtain a board resolution for its profit sharing contribution?

    By austin3515, September 25, 2003
    • 1 reply
    • 2.1k views
    • 
    • QDROphile
    • September 25, 2003

32. BenefitsLink Nondiscrimination Q&A 5-- Isn't it wrong?

    By KJohnson, September 25, 2003
    • 6 replies
    • 2.7k views
    • 
    • MGB
    • September 25, 2003

33. Can an employer amend a profit sharing plan midway through a given plan year to add a last-day-of-the-year employment requirement as a condition for receiving a profit sharing contribution?

    By billfgrady, September 25, 2003
    • 3 replies
    • 1.7k views
    • 
    • Alf
    • September 25, 2003

34. New calendar year safe-harbor 401(k) plan as of 4/1/02; what time period to use in calculating compensation?

    By Jilliandiz, September 17, 2003
    • 3 replies
    • 1.6k views
    • 
    • g8r
    • September 25, 2003

35. Can Summary Annual Reports be delivered with paychecks rather than via U.S. mail?

    By Guest lmoiseyev, September 24, 2003
    • 1 reply
    • 1.4k views
    • 
    • Guest
    • September 24, 2003

36. Reduce self-employment earnings by 179 expense?

    By MR, January 31, 2003
    • 6 replies
    • 23.5k views
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    • jane123
    • September 24, 2003

37. 401(k) participation waiver by Amish participants; ignore them altogether in running tests, or count them as "zeros"?

    By rcline46, September 24, 2003
    • 0 replies
    • 1.6k views
    • 
    • rcline46
    • September 24, 2003

38. Max S/E Contributions in a DC plan; OK to put in 402(g) limit PLUS 25% of adjusted SE comp?

    By Guest chris4013, September 22, 2003
    • 3 replies
    • 2.6k views
    • 
    • Guest
    • September 23, 2003

39. Final Catch Up Regulations in IRS Bulletin # 37

    By jevd, September 23, 2003
    • 0 replies
    • 1k views
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    • jevd
    • September 23, 2003

40. Can participant simply choose to stop making repayments on loan from plan?

    By Guest rocnrols2, September 22, 2003
    • 4 replies
    • 1.5k views
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    • QDROphile
    • September 22, 2003

41. When does employer have to contribute deferrals into plan's trust fund? When does trust fund have to invest them?

    By Guest Carl C, September 21, 2003
    • 4 replies
    • 1.8k views
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    • mbozek
    • September 22, 2003

42. 401(k) participant died with outstanding loan; does beneficiary get 1099R for the loan balance? How is the form coded?

    By Guest DBanko, September 19, 2003
    • 3 replies
    • 1.8k views
    • 
    • Appleby
    • September 19, 2003

43. Participant's plan loan showing up as liability on his credit report; how did it get there? What does it matter to a prospective lender?

    By Guest mbb03, September 19, 2003
    • 0 replies
    • 996 views
    • 
    • Guest
    • September 19, 2003

44. Catch-Up Universal Availability

    By Guest OHH, September 19, 2003
    • 4 replies
    • 2.1k views
    • 
    • R. Butler
    • September 19, 2003

45. Late deferral contributions; can excise tax be waived if delay is due to TPA's refusal to accept and process them?

    By Guest Shmedd, September 19, 2003
    • 1 reply
    • 1.2k views
    • 
    • RCK
    • September 19, 2003

46. Which states prohibit use of SSNs on mailings to participants?

    By stevena, September 19, 2003
    • 1 reply
    • 1.3k views
    • 
    • Kirk Maldonado
    • September 19, 2003

47. 410(b) failure in controlled group setting

    By AndyH, September 18, 2003
    • 12 replies
    • 3.4k views
    • 
    • AndyH
    • September 19, 2003

48. Can a new solo 401(k) be used to accept rollover from other plan, then loan funds to the sole participant?

    By Guest number6, September 19, 2003
    • 3 replies
    • 1.2k views
    • 
    • Belgarath
    • September 19, 2003

49. Non-Standard Prototype Plan

    By Guest PAL100759, May 23, 2003
    • 4 replies
    • 2.2k views
    • 
    • Guest
    • September 19, 2003

50. OK to include working HCE in testing even though he has no compensation?

    By kmciver, September 18, 2003
    • 3 replies
    • 1.3k views
    • 
    • kmciver
    • September 19, 2003