401(k) Plans

19,337 topics in this forum

1. Eligibility Question

   By Below Ground, February 2, 2023
   • 3 replies
   • 381 views
   • 
   • Below Ground
   • February 2, 2023

2. Which early-out distribution amounts are inflation-adjusted?

   By Peter Gulia, November 26, 2024
   • 0 replies
   • 381 views
   • 
   • Peter Gulia
   • November 26, 2024

3. Revised ADP test over-refunded

   By Tom, October 10, 2024
   • 0 replies
   • 380 views
   • 
   • Tom
   • October 10, 2024

4. Will recordkeepers be ready to process the saver’s match?

   By Peter Gulia, January 12
   • 5 replies
   • 380 views
   • 
   • Peter Gulia
   • January 13

5. Removing QACA

   By Robin Wilson, December 14, 2020
   • 0 replies
   • 380 views
   • 
   • Robin Wilson
   • December 14, 2020

6. Tax credits for a new plan even though we have an existing plan

   By Mikerbpm, January 10, 2023
   • 1 reply
   • 379 views
   • 
   • C. B. Zeller
   • January 10, 2023

7. ACP Failure-Participant died-money in spouse account

   By justatester, October 12, 2022
   • 1 reply
   • 379 views
   • 
   • Luke Bailey
   • October 21, 2022

8. Long term Disabilty

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

9. HCE Aggregation in both US 401(k) and Puerto Rico Plan

   By compliancecrazy, February 4, 2021
   • 0 replies
   • 379 views
   • 
   • compliancecrazy
   • February 4, 2021

10. requiring prior YOS in a startup plan - records sketchy

    By AlbanyConsultant, June 11, 2020
    • 0 replies
    • 378 views
    • 
    • AlbanyConsultant
    • June 11, 2020

11. Is there more?

    By Pammie57, January 5, 2017
    • 1 reply
    • 377 views
    • 
    • BG5150
    • January 5, 2017

12. Leaving PEO, starting single ER plan, what happens to QACA?

    By Kac1214, October 7, 2021
    • 1 reply
    • 377 views
    • 
    • Kac1214
    • October 8, 2021

13. 401K

    By Byronious316@gmail.com, October 21, 2020
    • 1 reply
    • 376 views
    • 
    • david rigby
    • October 21, 2020

14. What does it mean to "maintain" a plan under §1003?

    By JWRB, August 24, 2017
    • 0 replies
    • 376 views
    • 
    • JWRB
    • August 24, 2017

15. 404 Cushion amount and 415 limit Comp limit

    By Kingpin, June 12, 2019   

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

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

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

17. Secure 2.0 - 100% tax credit for new plans - effective date

    By TPApril, December 20, 2022
    • 1 reply
    • 375 views
    • 
    • Bill Presson
    • December 20, 2022

18. How do coverage and nondiscrimination tests work for eligibility changes during a year?

    By Peter Gulia, December 13, 2022   

    • coverage; nondiscrimination
    • 2 replies
    • 374 views
    • 
    • Peter Gulia
    • December 13, 2022

19. Loan Corrections

    By austin3515, March 30, 2022
    • 1 reply
    • 374 views
    • 
    • austin3515
    • March 30, 2022

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

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

21. Employer contribution tax credit SECURE 2.0, Form 8881

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

22. 1099-R codes for excess deferrals and attributable income that is being distributed 4 years after the excess deferrals

    By Sami Nasser, January 21
    • 2 replies
    • 371 views
    • 
    • Artie M
    • January 29

23. Auto Enrollment Trends

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

24. PYE for Participating Employer Different from PEP PYE

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

25. Fiscal year plan (1/31/24) overcontributes before end of plan year.

    By Fibonacci, December 24, 2024
    • 0 replies
    • 370 views
    • 
    • Fibonacci
    • December 24, 2024

26. Deferrals Not Resumed after a Leave of Absence

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

27. 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
    • 369 views
    • 
    • cheersmate
    • March 10, 2019

28. First year Top Heavy and catch-up

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

29. ADP Testing Question (prior year subgroups)

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

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

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

31. 414 Compensation testing

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

32. Incorrect payout

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

33. Control Group to Multiple ER plan

    By doombuggy, May 8, 2019   

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

34. 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
    • 363 views
    • 
    • C. B. Zeller
    • February 28, 2022

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

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

36. 401(k) plan sponsored by a business 100% owned by an ESOP - RMD question

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

37. Cash buyout of Life Ins included as compensation?

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

38. affiliated service group

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

39. Assumption of sponsorship to-do items

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

40. Changing QACA percentage mid-year

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

41. Contribution Calculation Template

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

42. Plan Termination

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

43. COVID - Notices

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

44. Messy situation

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

45. Open Enrollment

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

46. NUA

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

47. Takeover plan was not tested last year

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

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

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

49. Vesting Schedule with Merging Plans

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

50. Catchup and ADP Test

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