401(k) Plans

19,319 topics in this forum

1. Nonqual Distribution from Roth 401k

   By austin3515, November 3, 2012
   • 2 replies
   • 844 views
   • 
   • masteff
   • November 3, 2012

2. Top Heavy and Gateway Minimum

   By ConnieStorer, December 27, 2022
   • 3 replies
   • 844 views
   • 
   • Lou S.
   • December 28, 2022

3. Controlled Group Question

   By Vlad401k, January 31, 2025
   • 5 replies
   • 844 views
   • 
   • Artie M
   • February 4, 2025

4. Excluding compensation retroactive

   By karl, October 4, 2016
   • 2 replies
   • 844 views
   • 
   • karl
   • October 5, 2016

5. SECURE 1.0 - Retroactive Safe Harbor 4% to Correct ADP

   By Towanda, July 28, 2023
   • 1 reply
   • 844 views
   • 
   • John Feldt ERPA CPC QPA
   • July 29, 2023

6. HCEs in both US and Puerto Rico Plan

   By justatester, January 5, 2016
   • 0 replies
   • 843 views
   • 
   • justatester
   • January 5, 2016

7. Charging fees to participants for changing tpa

   By TPApril, May 14, 2020
   • 2 replies
   • 843 views
   • 
   • Larry Starr
   • May 15, 2020

8. rollover of Roth money into a 401(k) plan

   By K2retire, June 4, 2012
   • 1 reply
   • 843 views
   • 
   • masteff
   • June 4, 2012

9. Mid year change from a safe harbor QNEC to a safe harbor match

   By AJ North, September 18, 2017
   • 1 reply
   • 843 views
   • 
   • Lou S.
   • September 18, 2017

10. 410 b test failure options for average benefits?

    By Traci, June 18, 2025
    • 3 replies
    • 843 views
    • 
    • rocknrolls2
    • June 19, 2025

11. Loan paid off, but payments kept coming in

    By BG5150, May 17, 2010
    • 0 replies
    • 843 views
    • 
    • BG5150
    • May 17, 2010

12. Top Heavy Contributions

    By Dazednconfused, April 30, 2011
    • 1 reply
    • 842 views
    • 
    • 12AX7
    • May 1, 2011

13. Plan Term and Participant is unable to consent

    By Pixie, September 22, 2015
    • 1 reply
    • 842 views
    • 
    • MoJo
    • September 22, 2015

14. Discretionary deposits in 401K to make up for missed match

    By PGWilliams, December 19, 2019
    • 3 replies
    • 842 views
    • 
    • Lou S.
    • December 19, 2019

15. Annual Match Calculation Excluding Comp Prior to When they first contributed

    By austin3515, February 14, 2024
    • 12 replies
    • 841 views
    • 
    • austin3515
    • February 15, 2024

16. Roth contributions without amendment

    By kevind2010, March 11, 2011
    • 0 replies
    • 841 views
    • 
    • kevind2010
    • March 11, 2011

17. New Comp Contribution red flags

    By Sammiemor, April 4, 2017
    • 7 replies
    • 841 views
    • 
    • K2
    • April 4, 2017

18. In-Service distribution from 401(k) that includes terminated DB rollover

    By Tom, December 20, 2022
    • 2 replies
    • 841 views
    • 
    • CuseFan
    • December 20, 2022

19. New Comp formula requirements in plan documents.

    By Purplemandinga, October 23, 2020
    • 5 replies
    • 841 views
    • 
    • CuseFan
    • October 23, 2020

20. safe harbor notice - signed?

    By TPApril, November 26, 2022
    • 3 replies
    • 840 views
    • 
    • Bill Presson
    • November 28, 2022

21. Immediate Entry but no pay until 2014

    By CLE401kGuy, December 26, 2013
    • 1 reply
    • 840 views
    • 
    • masteff
    • December 26, 2013

22. Match contribution not capped at Annual Contribution Limit

    By Guest Powers, October 19, 2012
    • 1 reply
    • 840 views
    • 
    • ETA Consulting LLC
    • October 19, 2012

23. Unterminate plan termination

    By TA, March 12, 2020
    • 2 replies
    • 840 views
    • 
    • david rigby
    • March 12, 2020

24. What are the difficulties with 60-something catch-up elective deferrals?

    By Peter Gulia, December 23, 2022
    • 7 replies
    • 840 views
    • 
    • Peter Gulia
    • January 1, 2023

25. qdia not followed

    By Guest doh5557, January 30, 2012
    • 0 replies
    • 840 views
    • 
    • Guest
    • January 30, 2012

26. Missed Auto Increase

    By S- Milwaukee, January 6, 2016
    • 1 reply
    • 839 views
    • 
    • Belgarath
    • January 7, 2016

27. Testing Results letter to Client

    By Alex Daisy, March 8, 2011
    • 0 replies
    • 839 views
    • 
    • Alex Daisy
    • March 8, 2011

28. Roth IRA Rollover

    By Nassau, August 19, 2010
    • 1 reply
    • 839 views
    • 
    • 401king
    • August 19, 2010

29. Solo 401k - multiple partnerships

    By bwurts, July 1, 2016
    • 1 reply
    • 839 views
    • 
    • Kevin C
    • July 7, 2016

30. Deferred Compensation and elective deferrals

    By bzorc, October 23, 2014
    • 1 reply
    • 839 views
    • 
    • Lou S.
    • October 23, 2014

31. crediting service /waiving eligibility

    By Scuba 401, December 19, 2014
    • 2 replies
    • 839 views
    • 
    • QDROphile
    • December 20, 2014

32. Forfeitures from a DC plan to fund a DB plan of the same ER

    By AdKu, April 24, 2017
    • 4 replies
    • 839 views
    • 
    • Tom Poje
    • April 24, 2017

33. Distribution request from HCE

    By Dan, April 10, 2012
    • 2 replies
    • 839 views
    • 
    • BG5150
    • April 10, 2012

34. SH NEC contributions to PS plan

    By Cynchbeast, September 8, 2019
    • 5 replies
    • 839 views
    • 
    • imchipbrown
    • September 9, 2019

35. Fiscal plan deferral limit

    By Jakyasar, August 25, 2022
    • 3 replies
    • 839 views
    • 
    • Jakyasar
    • August 28, 2022

36. Recharacterizing deferrals as profit sharing?

    By Mleech, February 14, 2025
    • 4 replies
    • 839 views
    • 
    • Mleech
    • February 15, 2025

37. Client using Prime + 0

    By austin3515, September 18, 2013
    • 1 reply
    • 838 views
    • 
    • Guest
    • September 18, 2013

38. Hardship Distributions from Rollover Accounts; Inquiry If Allowed for Discretionary Contributions

    By Kent Allard, February 20, 2024   

    • hardship
    • rollover
    • (and 2 more)

      Tagged with:

      • hardship
      • rollover
      • distributions
      • roth rollover
    • 2 replies
    • 838 views
    • 
    • Lou S.
    • February 20, 2024

39. Employer Stock Restricted to Current Employees Only?

    By kmhaab, October 25, 2018
    • 5 replies
    • 838 views
    • 
    • QDROphile
    • October 29, 2018

40. Relius users - 410b Coverage is including Terminated Participants with <500 hours as eligible

    By Megandps, July 1, 2021
    • 5 replies
    • 838 views
    • 
    • BG5150
    • July 9, 2021

41. Auto Enrollment

    By Guest Celtics, April 11, 2014   

    • Amendment to add auto enroll
    • 1 reply
    • 838 views
    • 
    • justanotheradmin
    • April 11, 2014

42. Form 5500-EZ - Who Is Eligible

    By metsfan026, October 11, 2022
    • 2 replies
    • 838 views
    • 
    • C. B. Zeller
    • October 11, 2022

43. can we create a plan for 3 partners in 2019

    By thepensionmaven, December 3, 2019
    • 8 replies
    • 838 views
    • 
    • C. B. Zeller
    • December 5, 2019

44. CFP Experience Requirement - TPA

    By ERISA13, May 12, 2015
    • 0 replies
    • 838 views
    • 
    • ERISA13
    • May 12, 2015

45. Plan Sponsor Amendment after stock purchase of thte Plan

    By LMOC, March 30, 2015
    • 2 replies
    • 837 views
    • 
    • LMOC
    • March 30, 2015

46. To be restated during a cyle, signing requirement?

    By Guest Iwonder, May 4, 2010
    • 0 replies
    • 837 views
    • 
    • Guest
    • May 4, 2010

47. Calendar year plan with fiscal year PS allocation

    By Guest justatester2, April 4, 2012
    • 0 replies
    • 837 views
    • 
    • Guest
    • April 4, 2012

48. Change in Controlled Group - affect on 401(k)

    By M Norton, January 20, 2022   

    • controlled group change
    • mixed plans
    • 1 reply
    • 837 views
    • 
    • Luke Bailey
    • January 24, 2022

49. Multiple employer

    By cdavis25, March 8, 2018
    • 2 replies
    • 837 views
    • 
    • CuseFan
    • March 8, 2018

50. Starting new safe harbor plan

    By Jakyasar, August 21, 2022
    • 9 replies
    • 836 views
    • 
    • Jakyasar
    • August 23, 2022