401(k) Plans

19,320 topics in this forum

1. Eligibility - When does a Participant Enter

   By 52626, March 22, 2019
   • 8 replies
   • 3.2k views
   • 
   • Tom Poje
   • March 25, 2019

2. Does anyone have plans with two different vesting schedules going -- o

   By Guest MMorgan, October 8, 1998
   • 8 replies
   • 4k views
   • 
   • PMC
   • February 26, 2001

3. Controlled Group/Participating Employers

   By Deaconmomma, June 7, 2016
   • 8 replies
   • 3k views
   • 
   • Mike Preston
   • June 9, 2016

4. IRS Audit

   By John Feldt ERPA CPC QPA, January 24, 2007
   • 8 replies
   • 2.7k views
   • 
   • John Feldt ERPA CPC QPA
   • April 25, 2007

5. Asset Protection / Bankruptcy / Creditor Claims

   By austin3515, October 7, 2014
   • 8 replies
   • 1.3k views
   • 
   • austin3515
   • October 7, 2014

6. LTPT YOS credits under age 21

   By pmacduff, October 3, 2023
   • 8 replies
   • 1.7k views
   • 
   • pmacduff
   • October 9, 2023

7. How does a client handle an ineligible Hardship Request?

   By effingeh, October 7, 2025
   • 8 replies
   • 1.3k views
   • 
   • C. B. Zeller
   • October 9, 2025

8. Top Heavy plan excludes HCEs, no profit sharing, but what if an HCE is non-key?

   By Tom, May 23, 2023
   • 8 replies
   • 2.6k views
   • 
   • CuseFan
   • May 23, 2023

9. ADP/ACP testing

   By betheeg, October 5, 2006
   • 8 replies
   • 3.7k views
   • 
   • Tom Poje
   • October 11, 2006

10. Withholding & Distributions

    By Guest stevena1, February 20, 2007
    • 8 replies
    • 1.8k views
    • 
    • Blinky the 3-eyed Fish
    • February 23, 2007

11. Death of 401ks...Again and Again.

    By goldtpa, May 9, 2017
    • 8 replies
    • 1.3k views
    • 
    • Belgarath
    • May 12, 2017

12. ADP testing - controlled group

    By Chippy, August 29, 2017
    • 8 replies
    • 1.4k views
    • 
    • Belgarath
    • August 30, 2017

13. Asset sale plan merger

    By R. Butler, December 1, 2014
    • 8 replies
    • 3.4k views
    • 
    • BW
    • December 4, 2014

14. Does a controlled group of businesses exist?

    By Guest Barry, August 11, 1999
    • 8 replies
    • 2k views
    • 
    • Guest
    • August 17, 1999

15. More RMD Fun After Death

    By austin3515, November 2, 2010
    • 8 replies
    • 2.1k views
    • 
    • Guest
    • November 3, 2010

16. Fees to former participants

    By ombskid, July 20, 2015
    • 8 replies
    • 4k views
    • 
    • Francis
    • November 20, 2021

17. Maxing Annual Additions Plus Funding Backdoor Roth

    By AJC, September 8, 2020
    • 8 replies
    • 1.6k views
    • 
    • acm_acm
    • September 10, 2020

18. Self-Employed Owner and payroll period match

    By Guest HMoore, August 11, 2005
    • 8 replies
    • 3.5k views
    • 
    • E as in ERISA
    • November 16, 2005

19. Testing for aggregated plans

    By Kevin C, April 13, 2012
    • 8 replies
    • 1.4k views
    • 
    • Kevin C
    • April 16, 2012

20. End of year amendment to safe harbor 401k

    By Gilmore, December 1, 2017
    • 8 replies
    • 930 views
    • 
    • Gilmore
    • December 1, 2017

21. Amendment to Safe Harbor 401(k) Plan

    By Guest Celtics, January 31, 2014   

    • safe harbor amendments
    • 8 replies
    • 3.6k views
    • 
    • austin3515
    • February 3, 2014

22. miniscule error causes top heavy problem

    By M Norton, January 31, 2019   

    • sh match error
    • top heavy issue
    • 8 replies
    • 1.3k views
    • 
    • M Norton
    • February 4, 2019

23. Eligibile to Participate, but no Allocation

    By JRG, June 24, 2011
    • 8 replies
    • 1.6k views
    • 
    • ETA Consulting LLC
    • June 27, 2011

24. No match on Roth 401k

    By austin3515, February 25, 2010
    • 8 replies
    • 1.8k views
    • 
    • Kevin C
    • February 26, 2010

25. 401(k) Loan balances in Plan termination

    By Guest tgraham, November 2, 2004
    • 8 replies
    • 4k views
    • 
    • QDROphile
    • November 4, 2004

26. fiscal year, 415 and catch-up

    By Golgi, March 24, 2010
    • 8 replies
    • 2.8k views
    • 
    • Kevin C
    • March 26, 2010

27. DB/DC combo plan gateway when the DC plan has 1,000 hours requirement if terminated before the end of the plan year?

    By AdKu, May 9, 2018
    • 8 replies
    • 1.3k views
    • 
    • JackS
    • May 10, 2018

28. S Corp Solo 401k - Can health premiums count as wages?

    By Guest notmyhand, December 2, 2014
    • 8 replies
    • 16.5k views
    • 
    • Farmergal
    • December 17, 2015

29. correction under EPCRS for missed deferrals

    By Barbara, May 20, 2019
    • 8 replies
    • 1.3k views
    • 
    • Barbara
    • May 23, 2019

30. Is this nondiscriminatory?

    By erisageek1978, August 15, 2025
    • 8 replies
    • 1.1k views
    • 
    • John Feldt ERPA CPC QPA
    • August 19, 2025

31. Hardship withdrawal suspension period

    By 401kspeclst, January 29, 2018
    • 7 replies
    • 5.9k views
    • 
    • MWeddell
    • January 30, 2018

32. Controlled Group

    By Jeff Young, July 19, 2019
    • 7 replies
    • 1.5k views
    • 
    • Luke Bailey
    • July 23, 2019

33. LTPT, 401(k) only for now

    By Belgarath, August 9, 2023
    • 7 replies
    • 901 views
    • 
    • Peter Gulia
    • August 10, 2023

34. Find a participant

    By Guest Alwaysthinking, January 16, 2004
    • 7 replies
    • 1.8k views
    • 
    • Brian Gallagher
    • October 26, 2004

35. Hardship - Loans First?

    By austin3515, July 14, 2010
    • 7 replies
    • 1.5k views
    • 
    • BG5150
    • July 15, 2010

36. 9/30 Plan Year End and Catch Up

    By Mr Bagwell, December 4, 2017   

    • catch up
    • off calendar year
    • 7 replies
    • 2.7k views
    • 
    • Mr Bagwell
    • December 8, 2017

37. Testing with Safe Harbor Plans that contain Profit Sharing

    By dragondon, May 25, 2023
    • 7 replies
    • 2.6k views
    • 
    • Mr Bagwell
    • May 26, 2023

38. Bankruptcy in 401k Plans

    By Guest JEP, July 13, 2001
    • 7 replies
    • 1.6k views
    • 
    • Guest
    • July 13, 2001

39. Existing business, new plan Eligibility?

    By Guest rickw, December 31, 2006
    • 7 replies
    • 2k views
    • 
    • Kimberly S
    • January 5, 2007

40. Top Heavy for Partners

    By nancy, February 8, 2022
    • 7 replies
    • 740 views
    • 
    • Luke Bailey
    • February 9, 2022

41. 100% of pay

    By pmacduff, June 24, 2002
    • 7 replies
    • 2.6k views
    • 
    • Archimage
    • June 26, 2002

42. Issues to look out for re merger of 401(k)'s???

    By chris, August 27, 2002
    • 7 replies
    • 1.5k views
    • 
    • E as in ERISA
    • August 29, 2002

43. Rainmaker Plus

    By Guest Dolores, November 5, 2007
    • 7 replies
    • 2.9k views
    • 
    • Peanut Butter Man
    • November 7, 2007

44. Nondiscrim and Controlled Group

    By Randy Watson, August 7, 2008
    • 7 replies
    • 3.3k views
    • 
    • Randy Watson
    • August 8, 2008

45. Grandfathered CODA

    By justatester, March 10, 2023
    • 7 replies
    • 987 views
    • 
    • Paul I
    • March 15, 2023

46. Suspensing Money

    By Guest andmik, September 8, 2008
    • 7 replies
    • 1.7k views
    • 
    • Guest
    • September 12, 2008

47. Safe Harbor Plans - True Up

    By Guest Becki625, August 13, 2007
    • 7 replies
    • 3.7k views
    • 
    • QDROphile
    • August 14, 2007

48. 401(k) deposit check lost in mail, ultimately late, can it be excused?

    By TPApril, October 6, 2012
    • 7 replies
    • 7.2k views
    • 
    • austin3515
    • October 9, 2012

49. Backdating of 401k enrollment?

    By Guest EricW, December 1, 2009
    • 7 replies
    • 4.5k views
    • 
    • K2retire
    • December 2, 2009

50. Tracking Employer vs Employee contributions in a Solo(K)

    By Guest snmhanson, March 25, 2014
    • 7 replies
    • 3.4k views
    • 
    • ESOP Guy
    • March 26, 2014