401(k) Plans

19,516 topics in this forum

1. Can a participant defer workers comp pay?

   By fiona1, October 14, 2003
   • 2 replies
   • 2.5k views
   • 
   • david rigby
   • October 14, 2003

2. Can a company force HCEs in middle mgt to limit contributions, so that the plan will pass testing, while allowing upper mgmt to take full advantage of contribution limits (they are paid enough to max

   By Guest grafals, September 26, 2003
   • 13 replies
   • 2.4k views
   • 
   • ljr
   • October 14, 2003

3. How to handle deferrals that were never made?

   By Guest Shmedd, September 19, 2003
   • 6 replies
   • 3.2k views
   • 
   • R. Butler
   • October 13, 2003

4. Target Benefit Merger

   By Guest Ashley, October 13, 2003
   • 1 reply
   • 1.5k views
   • 
   • Mike Preston
   • October 13, 2003

5. What to do with earnings that Insurance Company won't return

   By jkharvey, October 13, 2003
   • 1 reply
   • 1.3k views
   • 
   • mbozek
   • October 13, 2003

6. Refund of contributions from ineligible participant

   By Guest ljansen, October 9, 2003
   • 5 replies
   • 2.9k views
   • 
   • Guest
   • October 10, 2003

7. Can deferrals be deposited monthly, even though employer's payroll is bi-weekly?

   By Guest bgrazetti, September 22, 2003
   • 6 replies
   • 3.2k views
   • 
   • Brian Gallagher
   • October 10, 2003

8. HCE - Look back Period?

   By Guest jkrad, October 10, 2003
   • 1 reply
   • 2.3k views
   • 
   • ccassetty
   • October 10, 2003

9. Partner not 100% vested

   By nancy, October 9, 2003
   • 2 replies
   • 1.7k views
   • 
   • Harwood
   • October 9, 2003

10. Death Benefits rollable?

    By Guest jhilliard, October 9, 2003
    • 1 reply
    • 1.1k views
    • 
    • Lori Foresz
    • October 9, 2003

11. Can employer amend 401(k) plan now (midyear) to provide for 3% safe harbor contribution?

    By Guest tws, October 3, 2003
    • 7 replies
    • 2.2k views
    • 
    • Guest
    • October 9, 2003

12. Safe Harbor Enhanced Match w/an additional $25K profit sharing contribution

    By Guest TLCPension, October 8, 2003
    • 3 replies
    • 1.3k views
    • 
    • Tom Poje
    • October 9, 2003

13. BRFs

    By Guest qualified plan, January 14, 2002
    • 11 replies
    • 4.3k views
    • 
    • Belgarath
    • October 8, 2003

14. 401(k) Safe Harbor with Profit Sharing

    By MBCarey, October 8, 2003
    • 7 replies
    • 2.7k views
    • 
    • Blinky the 3-eyed Fish
    • October 8, 2003

15. How long should records be retained related to the 401(k) plan?

    By austin3515, October 8, 2003
    • 1 reply
    • 2.5k views
    • 
    • Guest
    • October 8, 2003

16. COnverting Loans During a Change of Recordkeepers and Impact on Amortization Schedules

    By Guest andmik, October 8, 2003
    • 0 replies
    • 1.3k views
    • 
    • Guest
    • October 8, 2003

17. Correction of Failed ADP test through SCP

    By Guest cease, October 7, 2003
    • 0 replies
    • 1.6k views
    • 
    • Guest
    • October 7, 2003

18. 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
    • 1.5k views
    • 
    • Guest
    • October 7, 2003

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

    By MR, October 7, 2003
    • 1 reply
    • 1.2k views
    • 
    • Blinky the 3-eyed Fish
    • October 7, 2003

20. Client not complying with plan document

    By Guest moosegirl, October 7, 2003
    • 2 replies
    • 1.4k views
    • 
    • maverick
    • October 7, 2003

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

    By Guest ELS, October 2, 2003
    • 8 replies
    • 2.1k views
    • 
    • Belgarath
    • October 6, 2003

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

    By Guest cohenron, November 20, 2000
    • 12 replies
    • 3.7k views
    • 
    • Blinky the 3-eyed Fish
    • October 6, 2003

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

    By perkinsran, October 5, 2003
    • 1 reply
    • 1.6k views
    • 
    • Tom Poje
    • October 6, 2003

24. Late Remittances - Mistake of Fact Exception?

    By Guest Chaffee, October 2, 2003
    • 10 replies
    • 2.9k views
    • 
    • Brian Gallagher
    • October 3, 2003

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

    By joel, September 27, 2003
    • 7 replies
    • 2k views
    • 
    • maverick
    • October 3, 2003

26. 401(k) Loans: Double taxation or not?

    By Guest InTraining, October 7, 2002
    • 40 replies
    • 20.8k views
    • 
    • g8r
    • October 3, 2003

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

    By Guest tpeterson1959, October 2, 2003
    • 1 reply
    • 1.8k views
    • 
    • QDROphile
    • October 2, 2003

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

    By chris, October 1, 2003
    • 3 replies
    • 3.1k views
    • 
    • chris
    • October 2, 2003

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

    By austin3515, October 1, 2003
    • 0 replies
    • 1.1k views
    • 
    • austin3515
    • October 1, 2003

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

    By PensionNewbee, September 30, 2003
    • 7 replies
    • 7.3k views
    • 
    • Guest
    • October 1, 2003

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

    By Lori H, September 30, 2003
    • 3 replies
    • 1.4k views
    • 
    • Lori H
    • September 30, 2003

32. 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
    • 2k views
    • 
    • 401 Chaos
    • September 30, 2003

33. 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
    • 1.2k views
    • 
    • fiona1
    • September 30, 2003

34. 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
    • 1.2k views
    • 
    • Guest
    • September 30, 2003

35. Loan taxed twice?

    By Brian Gallagher, September 30, 2003
    • 4 replies
    • 1.7k views
    • 
    • david rigby
    • September 30, 2003

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

    By Guest HLIFECraigo, September 30, 2003
    • 0 replies
    • 1.2k views
    • 
    • Guest
    • September 30, 2003

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

    By Guest Twitch, September 25, 2003
    • 8 replies
    • 2.2k views
    • 
    • GBurns
    • September 30, 2003

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

    By jane123, September 27, 2003
    • 5 replies
    • 1.5k views
    • 
    • Fredman
    • September 29, 2003

39. Safe Harbor Match

    By DP, September 29, 2003
    • 4 replies
    • 1.4k views
    • 
    • DP
    • September 29, 2003

40. 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
    • 1.2k views
    • 
    • Guest
    • September 29, 2003

41. 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
    • 2.6k views
    • 
    • Mary Kay Foss
    • September 28, 2003

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

    By Guest GNagler, September 26, 2003
    • 3 replies
    • 2k views
    • 
    • KJohnson
    • September 27, 2003

43. 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
    • 1.5k views
    • 
    • david rigby
    • September 26, 2003

44. 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
    • 21.4k views
    • 
    • ljr
    • September 26, 2003

45. 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
    • 1.7k views
    • 
    • Harwood
    • September 26, 2003

46. 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
    • 1.1k views
    • 
    • Guest
    • September 26, 2003

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

    By austin3515, September 22, 2003
    • 11 replies
    • 2.5k views
    • 
    • david rigby
    • September 26, 2003

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

    By austin3515, September 25, 2003
    • 1 reply
    • 2.4k views
    • 
    • QDROphile
    • September 25, 2003

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

    By KJohnson, September 25, 2003
    • 6 replies
    • 3k views
    • 
    • MGB
    • September 25, 2003

50. 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
    • 1.9k views
    • 
    • Alf
    • September 25, 2003