401(k) Plans

19,275 topics in this forum

1. Trustee Was Killed

   By Coleboy1, August 5
   • 10 replies
   • 1.3k views
   • 
   • Below Ground
   • August 7

2. 401(k) Plan for Collectively Bargained Employees -- Is ADP/Safe Harbor Language Required?

   By rocknrolls2, August 6
   • 1 reply
   • 315 views
   • 
   • CuseFan
   • August 7

3. Form 5500 - Mistake On Participant Count (Amended Form Needed?)

   By metsfan026, August 6
   • 3 replies
   • 1.5k views
   • 
   • Bri
   • August 7

4. Mega Back Door Roth

   By thepensionmaven, August 6
   • 4 replies
   • 2.1k views
   • 
   • truphao
   • August 6

5. LTPT in Average Benefit Test

   By Vlad401k, August 6
   • 1 reply
   • 400 views
   • 
   • CuseFan
   • August 6

6. Terminating from a PEP

   By MATRIX, August 4
   • 1 reply
   • 611 views
   • 
   • Pam Shoup
   • August 5

7. 3 months eligibility with 520 hours

   By jsample, August 2
   • 6 replies
   • 1.2k views
   • 
   • Below Ground
   • August 5

8. Does a recordkeeper have an indicator for whether a participant is an employee or is a self-employed individual?

   By Peter Gulia, August 4
   • 7 replies
   • 604 views
   • 
   • Peter Gulia
   • August 5

9. Self Employment Income determination

   By Rose, September 11, 2023
   • 8 replies
   • 2.2k views
   • 
   • Zinco
   • August 5

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

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

11. Catch-ups and Roth availability

    By BG5150, August 1
    • 7 replies
    • 830 views
    • 
    • RatherBeGolfing
    • August 4

12. Is $150,000 the limit on 2025 FICA wages before a participant must make 2026 age-based-catch-up elective deferrals as Roth contributions?

    By Peter Gulia, July 31
    • 1 reply
    • 791 views
    • 
    • Peter Gulia
    • August 1

13. Loans from 401(k) Were for More Than 50% of Vested Balance; How to Fix?

    By MikeB, July 30
    • 2 replies
    • 735 views
    • 
    • Peter Gulia
    • July 31

14. AE Mandate

    By MATRIX, July 30
    • 7 replies
    • 1.9k views
    • 
    • MATRIX
    • July 30

15. Form 5500 Extension Requirement

    By metsfan026, July 29
    • 6 replies
    • 1.7k views
    • 
    • Bug on my window
    • July 29

16. Reclassifying safe harbor match contributions?

    By Mleech, July 29   

    • safe harbor
    • 1 reply
    • 839 views
    • 
    • WCC
    • July 29

17. Employer Contributions for SIMPLE to 401(k) SECURE 2.0

    By justanotheradmin, January 31, 2024
    • 30 replies
    • 4.7k views
    • 
    • John Feldt ERPA CPC QPA
    • July 28

18. Secure 2.0/Cares/CAA addendum

    By Pixie, July 24
    • 2 replies
    • 519 views
    • 
    • CuseFan
    • July 25

19. 401k Plan - must a QDRO be prepared

    By DDB BN, July 18
    • 14 replies
    • 1.8k views
    • 
    • QDROphile
    • July 24

20. A higher-paid employee’s catch-up must be Roth deferrals—how to implement?

    By Peter Gulia, July 21
    • 14 replies
    • 1.7k views
    • 
    • Peter Gulia
    • July 23

21. Letting some NHCEs in early by name

    By Tonya, June 30
    • 15 replies
    • 1.5k views
    • 
    • austin3515
    • July 22

22. When did a merger really happen

    By austin3515, July 17
    • 6 replies
    • 965 views
    • 
    • CuseFan
    • July 21

23. Making Up Missed Roth Contributions

    By metsfan026, July 17
    • 5 replies
    • 925 views
    • 
    • WCC
    • July 18

24. ADP Test: can switch from prior to current after EOY

    By TPApril, July 16
    • 2 replies
    • 626 views
    • 
    • Lou S.
    • July 16

25. Late deferral deposits and earnings calculation

    By Tom, September 19, 2024
    • 12 replies
    • 2k views
    • 
    • Peter Gulia
    • July 16

26. Profit Sharing Plan Adding 401(k) Features

    By mming, July 15
    • 3 replies
    • 547 views
    • 
    • mming
    • July 15

27. Opt-out

    By Bruce1, July 10
    • 3 replies
    • 889 views
    • 
    • Paul I
    • July 14

28. eligibility question

    By Tom, July 10
    • 3 replies
    • 734 views
    • 
    • Sabbir Hossain Khan
    • July 12

29. Company going broke and closing doors. Can't afford safe harbor match

    By Santo Gold, July 10
    • 10 replies
    • 1.1k views
    • 
    • Santo Gold
    • July 12

30. RMD from Roth

    By Brenda Wren, July 8
    • 4 replies
    • 823 views
    • 
    • Bruce1
    • July 10

31. Prevailing Wages Issues

    By Senior Pension Admin, July 9
    • 2 replies
    • 617 views
    • 
    • CuseFan
    • July 9

32. Aggregate Testing for 401(k) Plans under same employer

    By Senior Pension Admin, July 7
    • 8 replies
    • 787 views
    • 
    • John Feldt ERPA CPC QPA
    • July 8

33. Successor Plan & adoption vs effective date

    By TPApril, January 31, 2023
    • 6 replies
    • 1.1k views
    • 
    • Lou S.
    • July 7

34. Form 5500 Question - Pre-Funded Contribution

    By metsfan026, July 1
    • 5 replies
    • 934 views
    • 
    • Artie M
    • July 3

35. Matching Contribution for New Acquisition (Can It Be Different Than Entire Company?)

    By metsfan026, July 2
    • 1 reply
    • 634 views
    • 
    • CuseFan
    • July 2

36. PTE 80-51 (amended & restated by PTE 91-38) - the 10% investment limit

    By MeAgainst401K, July 1
    • 0 replies
    • 502 views
    • 
    • MeAgainst401K
    • July 1

37. correcting failed ADP Test

    By Lou81, June 26   

    • adp
    • 3 replies
    • 651 views
    • 
    • BG5150
    • July 1

38. Another LTPT Inquiry

    By thepensionmaven, June 27
    • 8 replies
    • 791 views
    • 
    • RatherBeGolfing
    • June 30

39. 414s test

    By gregburst, June 24
    • 6 replies
    • 1.1k views
    • 
    • Bri
    • June 27

40. QACA Safe Harbor Matching Contribution

    By mming, June 26
    • 1 reply
    • 799 views
    • 
    • Lou S.
    • June 26

41. minimum gateway with statutory exclusion

    By Tom, June 24
    • 2 replies
    • 552 views
    • 
    • Kac1214
    • June 25

42. Form 5330 / E-Filing

    By austin3515, June 3, 2024
    • 9 replies
    • 2.3k views
    • 
    • Leopurrd-401k
    • June 24

43. Safe Harbor Match to HCE

    By metsfan026, June 24
    • 5 replies
    • 974 views
    • 
    • CuseFan
    • June 24

44. US Company with Canadian Subsidiary

    By 401kSteve, June 20
    • 1 reply
    • 673 views
    • 
    • CuseFan
    • June 20

45. Counting of Hours for DC Plan

    By metsfan026, June 19
    • 3 replies
    • 883 views
    • 
    • Bri
    • June 20

46. 410 b test failure options for average benefits?

    By Traci, June 18
    • 3 replies
    • 770 views
    • 
    • rocknrolls2
    • June 19

47. Designated Beneficiary (Annulment)

    By youngbenefitslawyer, June 17
    • 2 replies
    • 697 views
    • 
    • Artie M
    • June 18

48. Does EPCRS require calculating and depositing "earnings on earnings" for missed contributions?

    By ERISA guy, June 12
    • 2 replies
    • 583 views
    • 
    • Artie M
    • June 16

49. Participant not notified of eligibility - Correction

    By Vlad401k, June 12
    • 4 replies
    • 551 views
    • 
    • Artie M
    • June 16

50. Roth Catch Up 1.1.2026

    By 52626, June 12
    • 2 replies
    • 888 views
    • 
    • Bruce1
    • June 16