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401(k) Plans

19,334 topics in this forum

  1. Wording of Merger effective date

    By austin3515,
    • 25 replies
    • 3.2k views

  2. Missed Deferral Opportunity? - Controlled Group - $0 Deferral

    By Vlad401k,
    • 3 replies
    • 829 views

  3. 401(k) Plan for Collectively Bargained Employees -- Is ADP/Safe Harbor Language Required?

    By rocknrolls2,
    • 1 reply
    • 446 views

  4. LTPT in Average Benefit Test

    By Vlad401k,
    • 1 reply
    • 448 views

  5. Mega Back Door Roth

    By thepensionmaven,
    • 4 replies
    • 2.2k views

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

    By metsfan026,
    • 3 replies
    • 1.6k views
    • Bri
    • Bri

  7. Trustee Was Killed

    By Coleboy1,
    • 10 replies
    • 1.5k views

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

    By TPApril,
    • 1 reply
    • 890 views

  9. Terminating from a PEP

    By MATRIX,
    • 1 reply
    • 682 views

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

    By Peter Gulia,
    • 7 replies
    • 689 views

  11. 3 months eligibility with 520 hours

    By jsample,
    • 6 replies
    • 1.4k views

  12. Catch-ups and Roth availability

    By BG5150,
    • 7 replies
    • 977 views

  13. 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,
    • 1 reply
    • 984 views

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

    By MikeB,
    • 2 replies
    • 936 views

  15. AE Mandate

    By MATRIX,
    • 7 replies
    • 2k views

  16. Reclassifying safe harbor match contributions?

    By Mleech,   
    • 1 reply
    • 912 views

  17. Form 5500 Extension Requirement

    By metsfan026,
    • 6 replies
    • 2k views

  18. Secure 2.0/Cares/CAA addendum

    By Pixie,
    • 2 replies
    • 564 views

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

    By Peter Gulia,
    • 14 replies
    • 1.8k views

  20. 401k Plan - must a QDRO be prepared

    By DDB BN,
    • 14 replies
    • 2.2k views

  21. When did a merger really happen

    By austin3515,
    • 6 replies
    • 1.1k views

  22. Making Up Missed Roth Contributions

    By metsfan026,
    • 5 replies
    • 1k views

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

    By TPApril,
    • 2 replies
    • 700 views

  24. Profit Sharing Plan Adding 401(k) Features

    By mming,
    • 3 replies
    • 654 views

  25. eligibility question

    By Tom,
    • 3 replies
    • 836 views

  26. Opt-out

    By Bruce1,
    • 3 replies
    • 1k views

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

    By Santo Gold,
    • 10 replies
    • 1.3k views

  28. Prevailing Wages Issues

    By Senior Pension Admin,
    • 2 replies
    • 817 views

  29. RMD from Roth

    By Brenda Wren,
    • 4 replies
    • 1.3k views

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

    By Senior Pension Admin,
    • 8 replies
    • 963 views

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

    By metsfan026,
    • 1 reply
    • 696 views

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

    By MeAgainst401K,
    • 0 replies
    • 557 views

  33. Form 5500 Question - Pre-Funded Contribution

    By metsfan026,
    • 5 replies
    • 1k views

  34. EACA Mandate and QACA

    By MATRIX,
    • 7 replies
    • 1.3k views

  35. Letting some NHCEs in early by name

    By Tonya,
    • 15 replies
    • 1.7k views

  36. Another LTPT Inquiry

    By thepensionmaven,
    • 8 replies
    • 850 views

  37. QACA Safe Harbor Matching Contribution

    By mming,
    • 1 reply
    • 952 views

  38. correcting failed ADP Test

    By Lou81,   
    • 3 replies
    • 716 views

  39. 414s test

    By gregburst,
    • 6 replies
    • 1.2k views

  40. minimum gateway with statutory exclusion

    By Tom,
    • 2 replies
    • 600 views

  41. Safe Harbor Match to HCE

    By metsfan026,
    • 5 replies
    • 1.2k views

  42. US Company with Canadian Subsidiary

    By 401kSteve,
    • 1 reply
    • 761 views

  43. Counting of Hours for DC Plan

    By metsfan026,
    • 3 replies
    • 983 views

  44. 410 b test failure options for average benefits?

    By Traci,
    • 3 replies
    • 892 views

  45. Designated Beneficiary (Annulment)

    By youngbenefitslawyer,
    • 2 replies
    • 748 views

  46. 414(s) Test

    By TJ,
    • 3 replies
    • 1.2k views

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

    By ERISA guy,
    • 2 replies
    • 673 views

  48. Participant not notified of eligibility - Correction

    By Vlad401k,
    • 4 replies
    • 628 views

  49. Roth Catch Up 1.1.2026

    By 52626,
    • 2 replies
    • 1k views

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

    By user001,
    • 4 replies
    • 615 views
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