401(k) Plans

19,317 topics in this forum

1. 404 Cushion amount and 415 limit Comp limit

   By Kingpin, June 12, 2019   

   • 415 limit
   • cushion amount
   • 0 replies
   • 363 views
   • 
   • Kingpin
   • June 12, 2019

2. Long term Disabilty

   By Dave401k, January 22, 2024
   • 0 replies
   • 361 views
   • 
   • Dave401k
   • January 22, 2024

3. Student Loan Matching Form

   By austin3515, December 10, 2025
   • 6 replies
   • 358 views
   • 
   • Belgarath
   • December 12, 2025

4. ADP Testing Question (prior year subgroups)

   By roy819, October 14, 2024
   • 0 replies
   • 358 views
   • 
   • roy819
   • October 14, 2024

5. Participant Took Coronavirus-Related Distribution in 2020, Tax Spread over 3 Years; Can Repayment of Amount Otherwise Taxed Be Deducted?

   By rocknrolls2, February 26, 2022
   • 2 replies
   • 358 views
   • 
   • C. B. Zeller
   • February 28, 2022

6. 6/30 FISCAL YR, HAD SIMPLE WANTS SH401K

   By cheersmate, March 10, 2019   

   • simple plan
   • 401k plan
   • (and 1 more)

     Tagged with:

     • simple plan
     • 401k plan
     • overlapping plans deduction considerations
   • 0 replies
   • 358 views
   • 
   • cheersmate
   • March 10, 2019

7. Merging a SH Plan with a Non-SH Plan (What to look out for?)

   By Chris123, March 9, 2021
   • 0 replies
   • 357 views
   • 
   • Chris123
   • March 9, 2021

8. First year Top Heavy and catch-up

   By NW529, December 15, 2020
   • 0 replies
   • 357 views
   • 
   • NW529
   • December 15, 2020

9. Auto Enrollment Trends

   By TPApril, September 21, 2023
   • 0 replies
   • 357 views
   • 
   • TPApril
   • September 21, 2023

10. PYE for Participating Employer Different from PEP PYE

    By RatherBeGolfing, July 19, 2024
    • 0 replies
    • 357 views
    • 
    • RatherBeGolfing
    • July 19, 2024

11. restatement (or secures act amendment) before Plan Merger?

    By mattmc82, November 24, 2021
    • 0 replies
    • 357 views
    • 
    • mattmc82
    • November 24, 2021

12. Safe harbor 401(k) sponsor acquires a SIMPLE IRA sponsor

    By Tom, September 18, 2024
    • 1 reply
    • 356 views
    • 
    • Lou S.
    • September 18, 2024

13. Cash buyout of Life Ins included as compensation?

    By kmhaab, January 19, 2017
    • 0 replies
    • 356 views
    • 
    • kmhaab
    • January 19, 2017

14. 414 Compensation testing

    By PFranckowiak, November 12, 2019
    • 0 replies
    • 355 views
    • 
    • PFranckowiak
    • November 12, 2019

15. Mid-Year Change for 401(k) Safe Harbor

    By Transplant, January 13
    • 3 replies
    • 355 views
    • 
    • CuseFan
    • Tuesday at 08:58 PM

16. Deferrals Not Resumed after a Leave of Absence

    By MNO, January 27, 2020
    • 0 replies
    • 355 views
    • 
    • MNO
    • January 27, 2020

17. Incorrect payout

    By PFranckowiak, July 20, 2017
    • 1 reply
    • 354 views
    • 
    • ESOP Guy
    • July 20, 2017

18. SECURE Act Amendments for 401(k)

    By kgr12, December 18, 2025
    • 2 replies
    • 353 views
    • 
    • Peter Gulia
    • December 18, 2025

19. Control Group to Multiple ER plan

    By doombuggy, May 8, 2019   

    • control groups
    • multiple employer plan
    • 0 replies
    • 352 views
    • 
    • doombuggy
    • May 8, 2019

20. Looking for an advisor for my 401(k) startup

    By Shuo, January 9, 2021
    • 0 replies
    • 350 views
    • 
    • Shuo
    • January 9, 2021

21. Employer contribution tax credit SECURE 2.0, Form 8881

    By justanotheradmin, February 22, 2024
    • 0 replies
    • 350 views
    • 
    • justanotheradmin
    • February 22, 2024

22. Changing QACA percentage mid-year

    By cpc0506, August 26, 2022
    • 0 replies
    • 349 views
    • 
    • cpc0506
    • August 26, 2022

23. Contribution Calculation Template

    By Indu, November 10, 2022
    • 0 replies
    • 347 views
    • 
    • Indu
    • November 10, 2022

24. Deferral Debacle

    By Pammie57, July 26, 2017
    • 1 reply
    • 347 views
    • 
    • Belgarath
    • July 26, 2017

25. Messy situation

    By Belgarath, February 15, 2023
    • 2 replies
    • 347 views
    • 
    • Belgarath
    • February 16, 2023

26. NUA

    By Dobber, February 8, 2021
    • 1 reply
    • 347 views
    • 
    • Luke Bailey
    • February 10, 2021

27. affiliated service group

    By Scuba 401, January 24, 2019
    • 1 reply
    • 346 views
    • 
    • Scuba 401
    • January 24, 2019

28. Assumption of sponsorship to-do items

    By olemissfan, September 17, 2021
    • 1 reply
    • 345 views
    • 
    • Lou S.
    • September 17, 2021

29. Open Enrollment

    By 401Karina, December 13, 2022
    • 1 reply
    • 344 views
    • 
    • Lou S.
    • December 13, 2022

30. Controlled Group w Different Entry Dates

    By Teresa F., October 14, 2020
    • 0 replies
    • 344 views
    • 
    • Teresa F.
    • October 14, 2020

31. Flexible Discretionary Match - allocation groups and plan document

    By Tom, November 8, 2022
    • 0 replies
    • 344 views
    • 
    • Tom
    • November 8, 2022

32. Plan Termination

    By Dobber, April 2, 2020
    • 0 replies
    • 343 views
    • 
    • Dobber
    • April 2, 2020

33. COVID - Notices

    By Scuba 401, September 24, 2020
    • 0 replies
    • 343 views
    • 
    • Scuba 401
    • September 24, 2020

34. Safe Harbor to fix Top-Heavy (9/30 plan year end)

    By JHalligan, September 1, 2022
    • 1 reply
    • 341 views
    • 
    • Lou S.
    • September 1, 2022

35. Vesting Schedule with Merging Plans

    By 401kAllTheWay, January 28, 2023
    • 1 reply
    • 340 views
    • 
    • Lou S.
    • January 30, 2023

36. Takeover plan was not tested last year

    By ilovetotest, August 16, 2023
    • 1 reply
    • 339 views
    • 
    • Belgarath
    • August 16, 2023

37. Catchup and ADP Test

    By pixmax, February 22, 2023
    • 1 reply
    • 339 views
    • 
    • Bri
    • February 22, 2023

38. Eligibility service requirements cut off

    By dragondon, January 4, 2023
    • 1 reply
    • 339 views
    • 
    • justanotheradmin
    • January 4, 2023
39. Sale of business

    Topic was moved to forum Operating a TPA or Consulting Firm

40. 401(k) matching contributions in company stock

    By Vivian J, February 13, 2024
    • 0 replies
    • 336 views
    • 
    • Vivian J
    • February 13, 2024

41. Looking for admin and/or recordkeeper that can handle plan assets consisting of just single stock positions

    By izzy.and.erisa, July 3, 2021
    • 1 reply
    • 336 views
    • 
    • Bill Presson
    • July 6, 2021

42. 401(k) plan sponsored by a business 100% owned by an ESOP - RMD question

    By Tom, October 6, 2025
    • 1 reply
    • 336 views
    • 
    • ESOP Guy
    • December 5, 2025

43. Percentage of plans with 3(38) vs 3(21)?

    By Getholmes, January 30, 2019
    • 2 replies
    • 336 views
    • 
    • imchipbrown
    • January 31, 2019

44. FBO Account Fee Disclosure

    By austin3515, July 20, 2019
    • 0 replies
    • 335 views
    • 
    • austin3515
    • July 20, 2019

45. 415 and Self-employed

    By BG5150, March 17, 2020
    • 0 replies
    • 335 views
    • 
    • BG5150
    • March 17, 2020

46. Eliminated safe harbor match and now discretionary match

    By WCC, December 4, 2020
    • 1 reply
    • 332 views
    • 
    • Luke Bailey
    • December 10, 2020

47. Auto-IRA Mandate in NY

    By metsfan026, November 22, 2021
    • 1 reply
    • 332 views
    • 
    • Peter Gulia
    • November 22, 2021

48. Safe Harbor Question

    By Dougsbpc, October 10, 2021
    • 0 replies
    • 331 views
    • 
    • Dougsbpc
    • October 10, 2021

49. New 401(k) Plan effective 1/1/2023

    By hsctpa, November 30, 2022
    • 1 reply
    • 331 views
    • 
    • Lou S.
    • November 30, 2022

50. Roth Catch Up, Spillover/Linked NQDCs and deemed Roth elections

    By Paul I, October 22, 2025
    • 0 replies
    • 330 views
    • 
    • Paul I
    • October 22, 2025