401(k) Plans

19,534 topics in this forum

1. 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

2. 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

3. Loan taxed twice?

   By Brian Gallagher, September 30, 2003
   • 4 replies
   • 1.8k views
   • 
   • david rigby
   • September 30, 2003

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

   By Guest HLIFECraigo, September 30, 2003
   • 0 replies
   • 1.3k views
   • 
   • Guest
   • September 30, 2003

5. 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

6. 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

7. Safe Harbor Match

   By DP, September 29, 2003
   • 4 replies
   • 1.5k views
   • 
   • DP
   • September 29, 2003

8. 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

9. 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

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

    By Guest GNagler, September 26, 2003
    • 3 replies
    • 2.1k views
    • 
    • KJohnson
    • September 27, 2003

11. 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

12. 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
    • 21.6k views
    • 
    • ljr
    • September 26, 2003

13. 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

14. 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

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

    By austin3515, September 22, 2003
    • 11 replies
    • 2.6k views
    • 
    • david rigby
    • September 26, 2003

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

    By austin3515, September 25, 2003
    • 1 reply
    • 2.5k views
    • 
    • QDROphile
    • September 25, 2003

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

    By KJohnson, September 25, 2003
    • 6 replies
    • 3.1k views
    • 
    • MGB
    • September 25, 2003

18. 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

19. 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
    • 2k views
    • 
    • g8r
    • September 25, 2003

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

    By Guest lmoiseyev, September 24, 2003
    • 1 reply
    • 1.7k views
    • 
    • Guest
    • September 24, 2003

21. Reduce self-employment earnings by 179 expense?

    By MR, January 31, 2003
    • 6 replies
    • 25.4k views
    • 
    • jane123
    • September 24, 2003

22. 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
    • 1.9k views
    • 
    • rcline46
    • September 24, 2003

23. 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
    • 2.9k views
    • 
    • Guest
    • September 23, 2003

24. Final Catch Up Regulations in IRS Bulletin # 37

    By jevd, September 23, 2003
    • 0 replies
    • 1.2k views
    • 
    • jevd
    • September 23, 2003

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

    By Guest rocnrols2, September 22, 2003
    • 4 replies
    • 2k views
    • 
    • QDROphile
    • September 22, 2003

26. 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
    • 2.2k views
    • 
    • mbozek
    • September 22, 2003

27. 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
    • 2.2k views
    • 
    • Appleby
    • September 19, 2003

28. 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
    • 1.2k views
    • 
    • Guest
    • September 19, 2003

29. Catch-Up Universal Availability

    By Guest OHH, September 19, 2003
    • 4 replies
    • 2.5k views
    • 
    • R. Butler
    • September 19, 2003

30. 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
    • 1.4k views
    • 
    • RCK
    • September 19, 2003

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

    By stevena, September 19, 2003
    • 1 reply
    • 1.6k views
    • 
    • Kirk Maldonado
    • September 19, 2003

32. 410(b) failure in controlled group setting

    By AndyH, September 18, 2003
    • 12 replies
    • 3.9k views
    • 
    • AndyH
    • September 19, 2003

33. 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
    • 1.6k views
    • 
    • Belgarath
    • September 19, 2003

34. Non-Standard Prototype Plan

    By Guest PAL100759, May 23, 2003
    • 4 replies
    • 2.5k views
    • 
    • Guest
    • September 19, 2003

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

    By kmciver, September 18, 2003
    • 3 replies
    • 1.7k views
    • 
    • kmciver
    • September 19, 2003

36. Withholding employer contributions on termination

    By Guest JD698, September 18, 2003
    • 3 replies
    • 2.4k views
    • 
    • Guest
    • September 19, 2003

37. Is a not-for-profit company's 401(k) plan exempt from filing Form 5500?

    By Lori Foresz, September 16, 2003
    • 6 replies
    • 3.3k views
    • 
    • goldtpa
    • September 19, 2003

38. Inadvertant CODA

    By Alf, September 17, 2003
    • 3 replies
    • 1.4k views
    • 
    • Alf
    • September 18, 2003

39. What's deadline for filing 5500 for a short plan year?

    By MBCarey, September 12, 2003
    • 7 replies
    • 2.8k views
    • 
    • Lynn Campbell
    • September 17, 2003

40. Partners make varying PSP contributions

    By Guest long, September 17, 2003
    • 4 replies
    • 2.7k views
    • 
    • KJohnson
    • September 17, 2003

41. Eligible Participants in New Plan

    By DP, September 17, 2003
    • 1 reply
    • 1.3k views
    • 
    • R. Butler
    • September 17, 2003

42. IRS guidance on treatment of employer funds used to buy out plan's annuity contract surrender charges

    By Guest jusducki, September 17, 2003
    • 2 replies
    • 1.5k views
    • 
    • KJohnson
    • September 17, 2003

43. 401(k) Safe Harbor Document Language

    By Guest jvanheyde, September 16, 2003
    • 3 replies
    • 1.7k views
    • 
    • Guest
    • September 17, 2003

44. Timing of P/S contributions

    By Guest hpaine, March 26, 2003
    • 13 replies
    • 2.9k views
    • 
    • Guest
    • September 17, 2003

45. What limits need to be pro rata for our 401(k) plan's first, short plan year?

    By Guest lilnemo, September 11, 2003
    • 3 replies
    • 1.7k views
    • 
    • Tom Poje
    • September 17, 2003

46. Filing Requirement for Excess Contributions

    By billfgrady, September 16, 2003
    • 1 reply
    • 1.4k views
    • 
    • Blinky the 3-eyed Fish
    • September 16, 2003

47. Salary deferral limit

    By jane123, September 12, 2003
    • 8 replies
    • 2.2k views
    • 
    • WDIK
    • September 15, 2003

48. average contribution amounts

    By Guest rring, September 12, 2003
    • 2 replies
    • 1.2k views
    • 
    • Guest
    • September 15, 2003

49. Plan vs Settlor Expenses

    By Guest meggie, September 11, 2003
    • 2 replies
    • 2.6k views
    • 
    • QDROphile
    • September 13, 2003

50. Hardship distribution

    By Guest cosmo01, September 8, 2003
    • 2 replies
    • 2.1k views
    • 
    • Guest
    • September 12, 2003