401(k) Plans

19,275 topics in this forum

1. 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

2. 3 months eligibility with 520 hours

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

3. Catch-ups and Roth availability

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

4. 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

5. 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

6. AE Mandate

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

7. Reclassifying safe harbor match contributions?

   By Mleech, July 29   

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

8. Form 5500 Extension Requirement

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

9. Secure 2.0/Cares/CAA addendum

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

10. 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

11. 401k Plan - must a QDRO be prepared

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

12. When did a merger really happen

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

13. Making Up Missed Roth Contributions

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

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

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

15. Profit Sharing Plan Adding 401(k) Features

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

16. eligibility question

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

17. Opt-out

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

18. 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

19. Prevailing Wages Issues

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

20. RMD from Roth

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

21. 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

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

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

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

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

24. Form 5500 Question - Pre-Funded Contribution

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

25. EACA Mandate and QACA

    By MATRIX, June 30
    • 7 replies
    • 1.2k views
    • 
    • Lou S.
    • August 25

26. Letting some NHCEs in early by name

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

27. Another LTPT Inquiry

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

28. QACA Safe Harbor Matching Contribution

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

29. correcting failed ADP Test

    By Lou81, June 26   

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

30. 414s test

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

31. minimum gateway with statutory exclusion

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

32. Safe Harbor Match to HCE

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

33. US Company with Canadian Subsidiary

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

34. Counting of Hours for DC Plan

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

35. 410 b test failure options for average benefits?

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

36. Designated Beneficiary (Annulment)

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

37. 414(s) Test

    By TJ, June 13
    • 3 replies
    • 1k views
    • 
    • Belgarath
    • June 16

38. 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

39. Participant not notified of eligibility - Correction

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

40. Roth Catch Up 1.1.2026

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

41. Testing & 5500 for plan with brokerage and vendor accounts

    By user001, June 12
    • 4 replies
    • 543 views
    • 
    • user001
    • June 12

42. Is a Non-owner spouse considered an HCE for 2024 if newly married?

    By Renee Crabill, June 11
    • 1 reply
    • 610 views
    • 
    • Lou S.
    • June 11

43. Discretionary Match

    By Connor, June 11
    • 4 replies
    • 864 views
    • 
    • Connor
    • June 12

44. Top Heavy Minimum

    By TH 401k, June 10
    • 4 replies
    • 664 views
    • 
    • Lou S.
    • June 11

45. Roth Catchups for HPIs and In Plan Roth Rollovers

    By Pam Shoup, June 9
    • 1 reply
    • 700 views
    • 
    • RatherBeGolfing
    • June 10

46. 2023 retroactivity due to improper company match

    By Kikka, June 6
    • 3 replies
    • 743 views
    • 
    • Lou S.
    • June 11

47. Rollover Prior to Eligibility

    By khn, June 5
    • 3 replies
    • 1k views
    • 
    • Peter Gulia
    • June 6

48. Timing of Deposits

    By 52626, June 5
    • 2 replies
    • 765 views
    • 
    • Artie M
    • June 6

49. A Poll: VCP Timing and Results?

    By casey72, June 4
    • 1 reply
    • 837 views
    • 
    • EBP
    • June 5

50. Key Employee definition

    By Tom, June 2
    • 1 reply
    • 793 views
    • 
    • RELUCTANT_LAWYER
    • June 3