401(k) Plans

19,320 topics in this forum

1. Plan offers brokerage to only those with substantial balances - discri

   By MR, October 25, 2000
   • 8 replies
   • 2.9k views
   • 
   • MoJo
   • October 27, 2000

2. Failure to allow eligibles to enroll

   By Guest rush2112, March 3, 2009
   • 8 replies
   • 1.7k views
   • 
   • Guest
   • March 5, 2009

3. Terminating Plan

   By Guest lforesz, May 12, 2003
   • 8 replies
   • 3.5k views
   • 
   • g8r
   • May 21, 2003

4. Salary deferral limit

   By jane123, September 12, 2003
   • 8 replies
   • 1.7k views
   • 
   • WDIK
   • September 15, 2003

5. Two different vesting schedules

   By doombuggy, September 12, 2005
   • 8 replies
   • 4.4k views
   • 
   • 401 Chaos
   • October 4, 2005

6. 415 excess - 8 cents

   By fiona1, March 8, 2011
   • 8 replies
   • 1.3k views
   • 
   • K2retire
   • March 9, 2011

7. Non-SH(k) adopted 2016 was supposed to be SH(k). Can convert to SH in 2016?

   By Florida1, June 15, 2016   

   • safe harbor
   • convvert
   • (and 1 more)

     Tagged with:

     • safe harbor
     • convvert
     • new plan
   • 8 replies
   • 1.3k views
   • 
   • Tom Poje
   • June 20, 2016

8. How are top-heavy testing and 410(b) testing coordinated?

   By John A, March 20, 2000
   • 8 replies
   • 4.8k views
   • 
   • Tom Poje
   • January 27, 2003

9. ADP/ACP Testing for a Controlled Group

   By msmith, September 17, 2015
   • 8 replies
   • 2.2k views
   • 
   • msmith
   • September 21, 2015

10. Targeted QNEC's

    By Guest blaum8, February 10, 2003
    • 8 replies
    • 3.7k views
    • 
    • Mike Preston
    • February 11, 2003

11. Matching Contribution Allocation Rules

    By Guest jvanheyde, October 11, 2007
    • 8 replies
    • 2k views
    • 
    • Mike Preston
    • October 13, 2007

12. Top 20% of Employees

    By imchipbrown, March 19, 1999
    • 8 replies
    • 1.9k views
    • 
    • MWeddell
    • March 25, 1999

13. Another Roth 401(k) question

    By FJR, October 27, 2005
    • 8 replies
    • 2.1k views
    • 
    • bzorc
    • November 1, 2005

14. Optimum SE earned income for maximum annual addition

    By SMB, February 8, 2012
    • 8 replies
    • 1.3k views
    • 
    • masteff
    • February 9, 2012

15. |Cash vs 401k

    By 52626, August 16, 2023
    • 8 replies
    • 815 views
    • 
    • Roycal
    • August 18, 2023

16. safe harbor 4k plans

    By Guest DNH, May 14, 2009
    • 8 replies
    • 1.3k views
    • 
    • Guest
    • May 31, 2009

17. Bonuses excluded from plan compensation - for 20+ years

    By M Norton, January 3, 2020   

    • operational error
    • failure to follow plan document
    • 8 replies
    • 1.8k views
    • 
    • Cardscrazy
    • March 20, 2020

18. May Job switchers get Multiple Limits?

    By Guest JurisPrude, June 22, 2005
    • 8 replies
    • 1.7k views
    • 
    • Blinky the 3-eyed Fish
    • June 24, 2005

19. electronic 401(k) enrollment

    By lexi, December 5, 2006
    • 8 replies
    • 1.4k views
    • 
    • RCK
    • December 7, 2006

20. Top Heavy Testing Questions

    By Guest KD40, September 18, 2002
    • 8 replies
    • 1.6k views
    • 
    • kocak
    • September 19, 2002

21. Failing gateway test but passing rate groups and ABT

    By Pixie, February 2, 2018   

    • gateway
    • cross testing
    • 8 replies
    • 1.5k views
    • 
    • BG5150
    • February 5, 2018

22. reduce compensation to offset match

    By WCC, May 15, 2018
    • 8 replies
    • 1.9k views
    • 
    • Luke Bailey
    • May 16, 2018

23. Shopping for a new 401(k) program

    By Guest JSinbad, October 30, 1998
    • 8 replies
    • 2.4k views
    • 
    • Guest
    • November 9, 1998

24. Contribution up to 100 % of comp?

    By SSRRS, September 13, 2022
    • 8 replies
    • 904 views
    • 
    • Lou S.
    • September 16, 2022

25. Reporting of Late Deposits on form 5500

    By Nic Pospiech, August 25, 2025
    • 8 replies
    • 799 views
    • 
    • Nic Pospiech
    • August 26, 2025

26. Calculating Matching on Catchups Each Payroll

    By Guest stormfrog2000, January 23, 2006
    • 8 replies
    • 2.4k views
    • 
    • Guest
    • February 6, 2006

27. Participant communication: nervous Nellies or not?

    By Guest erisafried, May 24, 2005
    • 8 replies
    • 2k views
    • 
    • david rigby
    • May 25, 2005

28. termination distn fees

    By Guest billy bong, June 22, 2001
    • 8 replies
    • 2.2k views
    • 
    • Guest
    • July 3, 2001

29. New single member 401(k) for 2020, Still time?

    By K-t-F, August 19, 2021
    • 8 replies
    • 668 views
    • 
    • Ilene Ferenczy
    • August 20, 2021

30. Statements for Terminated Unvested Participants

    By metsfan026, April 20, 2022
    • 8 replies
    • 879 views
    • 
    • Lou S.
    • April 20, 2022

31. Highly comp only putting after tax money, testing required?

    By Guest Kim S., March 21, 2002
    • 8 replies
    • 1.5k views
    • 
    • Guest
    • March 22, 2002

32. Entry Dte

    By DTH, May 25, 2005
    • 8 replies
    • 2.9k views
    • 
    • rcline46
    • May 26, 2005

33. How Late is Too Late To Adopt a Non-SH 401(k)?

    By ERISA1, December 10, 2010
    • 8 replies
    • 1.8k views
    • 
    • Bird
    • December 14, 2010

34. 5500 disclosure

    By Guest oxdougw, August 25, 2003
    • 8 replies
    • 1.7k views
    • 
    • Guest
    • August 25, 2003

35. Profit Sharing to encourage more participation?

    By Gilmore, September 17, 2020
    • 8 replies
    • 1.1k views
    • 
    • Gilmore
    • September 17, 2020

36. Special HCE Elective Deferral Eligibility Requirement for Safe Harbor 401(k) Plan

    By KMMB, April 19, 2021
    • 8 replies
    • 1.2k views
    • 
    • BG5150
    • April 21, 2021

37. 2005 401(k) Plan in 2006

    By Guest jetfaninmn, January 24, 2006
    • 8 replies
    • 1.5k views
    • 
    • Guest
    • January 25, 2006

38. Invalid Beneficiary Designation Form

    By Guest Thornton, April 18, 2008
    • 8 replies
    • 7.7k views
    • 
    • Peter Gulia
    • April 25, 2008

39. how far past 12/31 can a sole prop make 401(k) contributions?

    By Guest dubya, April 14, 2004
    • 8 replies
    • 1.6k views
    • 
    • mbozek
    • April 16, 2004

40. 401(a)(4) Testing

    By Guest LCOLLINS, May 9, 2006
    • 8 replies
    • 2.8k views
    • 
    • Mike Preston
    • May 9, 2006

41. 401(k) Match Reduction

    By Guest IraSue, March 20, 2007
    • 8 replies
    • 2k views
    • 
    • JanetM
    • March 22, 2007

42. New 401(k) Plan for Old Plan after asset transfer

    By cohendrake, July 12, 2017   

    • termination
    • 8 replies
    • 1.2k views
    • 
    • ESOP Guy
    • July 17, 2017

43. Eligibility for Certain Employee

    By TPA Bob, July 30, 2019   

    • eligibility
    • 8 replies
    • 1.3k views
    • 
    • loserson
    • August 5, 2019

44. PA withholding on 401(k) contribs

    By HarleyBabe, July 23, 2012
    • 8 replies
    • 8.4k views
    • 
    • mbozek
    • July 24, 2012

45. Beneficiary Designation

    By Jilliandiz, May 10, 2006
    • 8 replies
    • 2.1k views
    • 
    • ERISAnut
    • May 10, 2006

46. Highly Compensated

    By MBCarey, September 11, 2008
    • 8 replies
    • 1.6k views
    • 
    • BG5150
    • October 3, 2008

47. Excess Deferral Roth

    By Brenda Wren, April 20, 2021
    • 8 replies
    • 1.5k views
    • 
    • Luke Bailey
    • May 14, 2021

48. Correcting 401(k) Deferrals That Went in As Ordinary Instead of Roth

    By 401 Chaos, January 10, 2011
    • 8 replies
    • 7.8k views
    • 
    • DMcGovern
    • January 14, 2011

49. Mistake - Deferral put into IRA

    By Pammie57, December 11, 2017
    • 8 replies
    • 1.1k views
    • 
    • Pammie57
    • December 15, 2017

50. ADP - changing methods

    By Dawn Hafner, September 23, 1998
    • 8 replies
    • 2.4k views
    • 
    • Guest
    • November 17, 1998