401(k) Plans

19,450 topics in this forum

1. Eligibility - contract sign date or actual first day of work

   By Tom, March 3
   • 8 replies
   • 1.4k views
   • 
   • Artie M
   • March 4

2. Failing ADP Test as a tax strategy

   By TPApril, March 3
   • 3 replies
   • 621 views
   • 
   • jsample
   • March 3

3. ADP/ACP Correction After Distribution

   By Shawn T, February 27   

   • adp/acp
   • 4 replies
   • 986 views
   • 
   • ConnieStorer
   • March 3

4. Rigid match not funded correctly

   By Tom, February 23
   • 5 replies
   • 552 views
   • 
   • CuseFan
   • February 27

5. VCP program

   By Pixie, February 25
   • 2 replies
   • 463 views
   • 
   • Artie M
   • February 26

6. LTPT deferrals included in average benefits testing?

   By Tom, February 24
   • 4 replies
   • 4.6k views
   • 
   • acm_acm
   • February 26

7. ADP/ACP Correction Question

   By effingeh, February 26
   • 3 replies
   • 874 views
   • 
   • Bri
   • February 26

8. Top Heavy Testing Question

   By metsfan026, February 11
   • 6 replies
   • 1.1k views
   • 
   • david rigby
   • February 26

9. ADP/ACP question (union / non-union)

   By roy819, February 25
   • 1 reply
   • 652 views
   • 
   • CuseFan
   • February 25

10. Section 125 Pay reporting

    By TPApril, February 25
    • 0 replies
    • 305 views
    • 
    • TPApril
    • February 25

11. Can a Roth Catch-up be deposited to a Roth IRA rollover

    By Renee H, February 23
    • 2 replies
    • 937 views
    • 
    • Renee H
    • February 25

12. W-2 Comp w/Sec125

    By TPApril, February 19
    • 2 replies
    • 2.5k views
    • 
    • Artie M
    • February 23

13. auto enrollment required?

    By Old Reliable, February 18
    • 6 replies
    • 790 views
    • 
    • Peter Gulia
    • February 22

14. adding safe harbor match to profit sharing plan

    By Old Reliable, February 18
    • 2 replies
    • 685 views
    • 
    • Artie M
    • February 20

15. Payroll companies and tiered matches

    By Gadgetfreak, February 19
    • 2 replies
    • 480 views
    • 
    • Gadgetfreak
    • February 20

16. Tax Withholding on a 402(g) Refund

    By Nate X, February 14
    • 1 reply
    • 510 views
    • 
    • Artie M
    • February 18

17. Spin off plan with EACA mandate and changing date of first increase

    By 30Rock, February 17
    • 0 replies
    • 383 views
    • 
    • 30Rock
    • February 17

18. Discretionary Match

    By 52626, February 17
    • 2 replies
    • 923 views
    • 
    • Paul I
    • February 17

19. HCE Allocations in Failed ACP Test

    By Lucky32, February 13
    • 2 replies
    • 823 views
    • 
    • Lucky32
    • February 13

20. Roth catchup and a pooled plan

    By AlbanyConsultant, February 13
    • 6 replies
    • 804 views
    • 
    • Peter Gulia
    • February 13

21. Correction of Late Safe Harbor Matching Contributions Required?

    By kmhaab, February 11
    • 1 reply
    • 633 views
    • 
    • Bri
    • February 12

22. Funding Profit Sharing Contributions Throughout the Year

    By Vlad401k, February 11
    • 1 reply
    • 718 views
    • 
    • CuseFan
    • February 11

23. Does A Downpayment for a Rented Home Qualify As A Hardship?

    By metsfan026, February 9
    • 5 replies
    • 8.1k views
    • 
    • Artie M
    • February 10

24. Adding a new retroactive PS Plan in addition to existing 401k/PS Plan

    By TPAinPA, February 7
    • 5 replies
    • 863 views
    • 
    • austin3515
    • February 9

25. SECURE 2.0 Roth catch-ups

    By Itsamario, January 21
    • 2 replies
    • 1.1k views
    • 
    • Peter Gulia
    • February 9

26. Safe Harbor Plan - Exclude HCEs beginning of the year

    By Vlad401k, February 6
    • 3 replies
    • 711 views
    • 
    • Kevin C
    • February 8

27. How do Conversions work? In extremely granular detail.

    By friedliver, February 5
    • 6 replies
    • 1.2k views
    • 
    • Peter Gulia
    • February 6

28. Correcting a plan limit failure with Roth + pre-tax ED

    By roy819, February 4
    • 8 replies
    • 1.1k views
    • 
    • Bri
    • February 5

29. 402(g) Excess When Deferrals Not Deposited

    By OrderOfOps, January 28
    • 2 replies
    • 1k views
    • 
    • Artie M
    • January 30

30. rmd 1st RMD and plan term same year

    By JulesInCNY, January 29   

    • plan term
    • 2 replies
    • 594 views
    • 
    • JustSayin
    • January 30

31. SECURE 2.0 Section 603 - another Roth catch-up question

    By WCC, January 28
    • 4 replies
    • 1.6k views
    • 
    • C. B. Zeller
    • January 30

32. 1099-R codes for excess deferrals and attributable income that is being distributed 4 years after the excess deferrals

    By Sami Nasser, January 21
    • 2 replies
    • 2.2k views
    • 
    • Artie M
    • January 29

33. New CODA Provisions For Existing Profit Sharing Plan

    By Lucky32, January 28
    • 1 reply
    • 490 views
    • 
    • WCC
    • January 28

34. RMD and CARES Act

    By casey72, January 27
    • 1 reply
    • 596 views
    • 
    • CuseFan
    • January 28

35. Sole-prop - deferral election

    By Jakyasar, January 28
    • 1 reply
    • 486 views
    • 
    • CuseFan
    • January 28

36. Does a Solo 401(k) plan’s user know she needs a TPA’s help?

    By Peter Gulia, January 23
    • 17 replies
    • 1.9k views
    • 
    • FormsRstillmylife
    • January 26

37. Enrollment Material Deadlines & MDOs - What are the regs?

    By OrderOfOps, January 23
    • 3 replies
    • 623 views
    • 
    • Peter Gulia
    • January 23

38. Owners Getting Paid via 1099 & Participating in Plan

    By metsfan026, January 15
    • 12 replies
    • 1.1k views
    • 
    • Bri
    • January 23

39. Considered Compensation from W2

    By ratherbereading, January 7   

    • w2 compensation
    • 5 replies
    • 4.8k views
    • 
    • TPABob
    • January 21

40. exclude SOME union employees?

    By AlbanyConsultant, January 16
    • 3 replies
    • 977 views
    • 
    • CuseFan
    • January 19

41. Excluded Employee - Top Heavy

    By Vlad401k, January 15
    • 4 replies
    • 3.1k views
    • 
    • John Feldt ERPA CPC QPA
    • January 18

42. Prevailing wage in a safe harbor 401(k) plan

    By Just Tri, January 16
    • 1 reply
    • 561 views
    • 
    • Bri
    • January 16

43. Indirect ownership

    By MGOAdmin, January 15
    • 0 replies
    • 428 views
    • 
    • MGOAdmin
    • January 15

44. 80/120 Rule

    By BPG916, January 14
    • 4 replies
    • 841 views
    • 
    • david rigby
    • January 15

45. A Real Problem

    By rblum50, January 13
    • 9 replies
    • 1.3k views
    • 
    • Tax ERISA Thoughts
    • January 14

46. Cashing Out Stock Options (Rather than Exercising) and 415 Compensation Definition

    By 401 Chaos, July 31, 2015
    • 5 replies
    • 2.1k views
    • 
    • KMMB
    • January 13

47. Income Tax Withholding on Elective Deferrals

    By M_2015, January 13
    • 4 replies
    • 4k views
    • 
    • Peter Gulia
    • January 13

48. Will recordkeepers be ready to process the saver’s match?

    By Peter Gulia, January 12
    • 5 replies
    • 1k views
    • 
    • Peter Gulia
    • January 13

49. Contributions and matching after 401(a)(17) limit has been reached?

    By MD-Benefits Guy, October 1, 2025
    • 13 replies
    • 4.6k views
    • 
    • Paul I
    • January 12

50. Failed 414s test in safe harbor plan

    By 30Rock, December 17, 2025
    • 3 replies
    • 819 views
    • 
    • Kevin C
    • January 11