401(k) Plans

19,319 topics in this forum

1. Roth 401(k) and Hardship Distribution

   By 52626, July 22, 2016
   • 1 reply
   • 872 views
   • 
   • Tom Poje
   • July 22, 2016

2. Deemed 401K Loan

   By 401kchallenged, August 29, 2019
   • 3 replies
   • 872 views
   • 
   • Patricia Neal Jensen
   • September 3, 2019

3. Failed ADP Test, Excess Contributions, Fiscal Years & Taxation

   By TPApril, August 4, 2025
   • 1 reply
   • 872 views
   • 
   • Lou S.
   • August 4, 2025

4. EACA - Have to be in effect for a full 12-month plan year?

   By benefitsguru, October 23, 2015
   • 0 replies
   • 872 views
   • 
   • benefitsguru
   • October 23, 2015

5. Eligible for a Distriubtion

   By austin3515, June 28, 2011
   • 1 reply
   • 871 views
   • 
   • ETA Consulting LLC
   • June 28, 2011

6. Corrective Amendment

   By cpc0506, September 15, 2017
   • 3 replies
   • 871 views
   • 
   • Luke Bailey
   • September 18, 2017

7. Safe Harbor 401K - Senior Moment

   By thepensionmaven, September 14, 2016
   • 6 replies
   • 871 views
   • 
   • Mike Preston
   • September 19, 2016

8. Should I apply for a Determination Letter

   By fiona1, December 8, 2011
   • 1 reply
   • 871 views
   • 
   • ETA Consulting LLC
   • December 8, 2011

9. Participant Deduction Accidently Stopped on Payroll

   By coleboy, August 25, 2014
   • 1 reply
   • 870 views
   • 
   • Bill Presson
   • August 25, 2014

10. After Tax Contributions

    By Stash026, May 31, 2019
    • 3 replies
    • 870 views
    • 
    • spiritrider
    • June 3, 2019

11. Determining Missed Deferral Under EPCRS

    By Lauren0507, June 23, 2020
    • 3 replies
    • 870 views
    • 
    • Lauren0507
    • June 24, 2020

12. Does a recordkeeper presume a plan sponsor adopts a § 414A automatic-enrollment arrangement?

    By Peter Gulia, November 14, 2024
    • 10 replies
    • 870 views
    • 
    • Peter Gulia
    • November 18, 2024

13. New Comp PS calculation, where K-1 in involved

    By Alex Daisy, March 1, 2011
    • 1 reply
    • 870 views
    • 
    • Jim Chad
    • March 1, 2011

14. Roth Deferral

    By KevinMc, January 24, 2014
    • 1 reply
    • 870 views
    • 
    • rcline46
    • January 24, 2014

15. Is there any big recordkeeper not using a Roth catch-up indicator?

    By Peter Gulia, December 8, 2025
    • 7 replies
    • 870 views
    • 
    • TetrisPensionNerd
    • December 11, 2025

16. Testing of multiemployer contributions

    By Guest hyper, September 3, 2009
    • 0 replies
    • 870 views
    • 
    • Guest
    • September 3, 2009

17. Plan qualification question

    By fiona1, September 14, 2010
    • 0 replies
    • 869 views
    • 
    • fiona1
    • September 14, 2010

18. statutory exclusion for ADP ACP test

    By Tom, April 10, 2024
    • 6 replies
    • 869 views
    • 
    • Bri
    • April 12, 2024

19. PArticipant Directed / Fee Disclosure

    By austin3515, September 7, 2018
    • 5 replies
    • 869 views
    • 
    • imchipbrown
    • September 10, 2018

20. Affiliated Service Group? Regularly peforming services or regularly associated?

    By Floridaattorney, February 26, 2014
    • 0 replies
    • 869 views
    • 
    • Floridaattorney
    • February 26, 2014

21. Mortgage as an investment

    By DDB BN, November 15, 2019
    • 5 replies
    • 868 views
    • 
    • Luke Bailey
    • November 18, 2019

22. Requirement for independent audit for plans with over 100 ptps.

    By KevinMc, June 19, 2013
    • 2 replies
    • 868 views
    • 
    • BG5150
    • June 19, 2013

23. Owner of safe harbor plan underdeposited own 401(k)

    By TPApril, May 17, 2016   

    • 401(k) correction
    • 3 replies
    • 868 views
    • 
    • Bird
    • May 17, 2016

24. controlled group - safe harbor 401k plan

    By Pixie, September 20, 2023
    • 3 replies
    • 868 views
    • 
    • Paul I
    • September 21, 2023

25. Coverage/Discrimination issues where employer maintained two plans during the year?

    By Chris DeMay, December 3, 2021
    • 5 replies
    • 868 views
    • 
    • jsample
    • December 8, 2021

26. Form 5330

    By 52626, December 6, 2024
    • 6 replies
    • 867 views
    • 
    • Laydesi
    • December 19, 2025

27. 401(k) for a foreign company?

    By gdlfa, June 30, 2016
    • 2 replies
    • 867 views
    • 
    • gdlfa
    • June 30, 2016

28. For-profit controls not-for-profit - Controlled Group?

    By Purplemandinga, June 17, 2019
    • 2 replies
    • 867 views
    • 
    • Purplemandinga
    • June 18, 2019

29. Lawsuit settlement - contributions to 401(k)?

    By Belgarath, November 20, 2025
    • 2 replies
    • 867 views
    • 
    • Belgarath
    • November 20, 2025

30. In-service rollover request with after tax funds

    By cpc0506, October 29, 2010
    • 1 reply
    • 867 views
    • 
    • masteff
    • October 29, 2010

31. Source Specific Beneficiary Designation

    By Nassau, March 3, 2011
    • 1 reply
    • 867 views
    • 
    • QDROphile
    • March 3, 2011

32. Year End Notices and Required Disclosures

    By Pammie57, November 2, 2015
    • 2 replies
    • 867 views
    • 
    • Pammie57
    • November 3, 2015

33. WHOSE RMDs ARE THESE?

    By Plan Doc, November 4, 2020
    • 4 replies
    • 866 views
    • 
    • FormsRstillmylife
    • November 9, 2020

34. ADP Refund options

    By 401king, January 22, 2013
    • 1 reply
    • 866 views
    • 
    • BG5150
    • January 22, 2013

35. Company acquistion with a SEP

    By cpc0506, December 3, 2010
    • 0 replies
    • 866 views
    • 
    • cpc0506
    • December 3, 2010

36. HCE, Catch-Ups and Off-Calendar

    By austin3515, November 3, 2010
    • 2 replies
    • 865 views
    • 
    • austin3515
    • November 3, 2010

37. unbundled 403b vendors

    By gregburst, February 14, 2013
    • 0 replies
    • 865 views
    • 
    • gregburst
    • February 14, 2013

38. Re-run ADP/ACP testing after EPCRS correction?

    By casey72, April 29, 2024
    • 2 replies
    • 865 views
    • 
    • Paul I
    • April 30, 2024

39. Automatic Enrollment

    By Guest Salvador A Mander, October 20, 2011
    • 1 reply
    • 865 views
    • 
    • Guest
    • October 26, 2011

40. 3% Nonelective SH with QACA

    By DavidO, January 28, 2025
    • 3 replies
    • 865 views
    • 
    • Bill Presson
    • January 28, 2025

41. Profit Sharing Plan/Money Purchase Plan Compensation

    By Guest duckweed, January 6, 2011
    • 3 replies
    • 864 views
    • 
    • Kevin C
    • January 6, 2011

42. Eligibility Conditions

    By Mr Bagwell, August 22, 2016
    • 3 replies
    • 864 views
    • 
    • BG5150
    • August 22, 2016

43. Safe Harbor Contribution True-Up

    By metsfan026, August 20, 2021
    • 6 replies
    • 864 views
    • 
    • maryflemingphr@yahoo.com
    • August 23, 2021

44. Combining account balances upon death

    By rblum50, June 3, 2019
    • 6 replies
    • 864 views
    • 
    • Belgarath
    • June 4, 2019

45. Using PenChecks to Dep. Er Contribs

    By austin3515, February 14, 2011
    • 0 replies
    • 864 views
    • 
    • austin3515
    • February 14, 2011

46. non discrimination testing

    By Gary, March 11, 2011
    • 0 replies
    • 864 views
    • 
    • Gary
    • March 11, 2011

47. Sole Prop and Deduction Limit

    By Dazednconfused, July 23, 2018
    • 4 replies
    • 864 views
    • 
    • Larry Starr
    • July 24, 2018

48. Penalty Relief Program for Form 5500-EZ Late Filers

    By AdKu, October 3, 2022
    • 4 replies
    • 864 views
    • 
    • AdKu
    • October 4, 2022

49. Audited Plan last year (2021) but under 120 balances. Is one required this year?

    By Pensions2020, April 20, 2023
    • 4 replies
    • 864 views
    • 
    • Paul I
    • April 20, 2023

50. Safe Harbor Notice

    By Guest BWNWE, October 26, 2010
    • 1 reply
    • 864 views
    • 
    • GMK
    • October 26, 2010