401(k) Plans

19,319 topics in this forum

1. Rate Group Testing - Mid-Point vs. Actual Coverage %age

   By austin3515, March 3, 2015
   • 7 replies
   • 2.6k views
   • 
   • Tom Poje
   • March 3, 2015

2. Blackout Notice

   By OSU, December 30, 2017
   • 8 replies
   • 2.6k views
   • 
   • Pam Shoup
   • January 2, 2018

3. 5% Owner Definition - Key Employee

   By MarZDoates, August 30, 2004
   • 2 replies
   • 2.6k views
   • 
   • MarZDoates
   • August 30, 2004

4. Missed contribution by employer

   By Dhaval Mehta, April 9, 2019
   • 6 replies
   • 2.6k views
   • 
   • justanotheradmin
   • April 10, 2019

5. Safe Harbor cont & half year comp

   By Guest DazedAndConfused, August 1, 2006
   • 6 replies
   • 2.6k views
   • 
   • Guest
   • August 4, 2006

6. Bermuda plan administered in US?

   By Guest jhilliard, October 24, 2003
   • 7 replies
   • 2.6k views
   • 
   • Guest
   • November 5, 2003

7. Offering plan to corporation under common control

   By Guest Buzzman, July 11, 2008
   • 13 replies
   • 2.6k views
   • 
   • Guest
   • July 16, 2008

8. Hardship distributions-- what are "other events provided for in r

   By Guest Milt Colegrove, August 19, 1999
   • 4 replies
   • 2.6k views
   • 
   • MWeddell
   • September 1, 1999

9. Foreign company with U.S. employees

   By LisaS, July 16, 2019   

   • foreign corporation with u.s. employees
   • 7 replies
   • 2.6k views
   • 
   • LisaS
   • July 26, 2019

10. Excess deferral question

    By Tom, September 11, 2025
    • 4 replies
    • 2.6k views
    • 
    • austin3515
    • September 12, 2025

11. Cross Tested Safe Harbor 401k Plan

    By Guest TAG, December 11, 2002
    • 10 replies
    • 2.6k views
    • 
    • Tom Poje
    • January 7, 2003

12. Safe Harbor and Otherwise Excludable

    By PMC, December 6, 2010
    • 6 replies
    • 2.6k views
    • 
    • DMcGovern
    • December 7, 2010

13. 415 Testing: Noncalendar plan years

    By Guest m2b2, August 29, 2007
    • 6 replies
    • 2.6k views
    • 
    • BG5150
    • August 30, 2007

14. Can match formula be independent of amount of deferral?

    By John A, March 30, 2001
    • 12 replies
    • 2.6k views
    • 
    • Guest
    • April 1, 2001

15. Second 401k Loan and Vested Balance

    By Greygoose, April 13, 2024
    • 4 replies
    • 2.6k views
    • 
    • ESOP Guy
    • April 15, 2024

16. HCE Limitations

    By Jilliandiz, October 21, 2004
    • 10 replies
    • 2.6k views
    • 
    • jquazza
    • October 23, 2004

17. Can plan tie matching contribution to measurable job performance crite

    By Guest KevinGordon, May 2, 2001
    • 9 replies
    • 2.6k views
    • 
    • Medusa
    • May 5, 2001

18. Hardship for a home, but falls through

    By austin3515, April 1, 2011
    • 4 replies
    • 2.6k views
    • 
    • masteff
    • April 6, 2011

19. Husband & Wife Solo PS Allocation

    By Basically, August 26, 2025
    • 7 replies
    • 2.6k views
    • 
    • Jakyasar
    • August 26, 2025

20. Employer canceled the 401k

    By Guest Tboyle, November 14, 1998
    • 3 replies
    • 2.6k views
    • 
    • Guest
    • November 20, 1998

21. How To Handle RMD for Non-Owner who Terminated and was rehired part-time

    By Dawn Marlar, November 11, 2021
    • 7 replies
    • 2.6k views
    • 
    • Dawn Marlar
    • November 16, 2021

22. Protection of plan assets

    By doombuggy, November 13, 2008
    • 23 replies
    • 2.6k views
    • 
    • K2retire
    • November 15, 2008

23. True-Up Match for Prior year and Safe Harbor

    By PMC, May 8, 2008
    • 1 reply
    • 2.6k views
    • 
    • QDROphile
    • May 8, 2008

24. Benefits Rights Features

    By Nancy D, June 7, 2011
    • 10 replies
    • 2.6k views
    • 
    • Nancy D
    • June 10, 2011

25. ADP/ACP Shifting - Prior Year Testing

    By Lou S., March 4, 2015
    • 6 replies
    • 2.6k views
    • 
    • BG5150
    • March 5, 2015

26. Plan Sponsor No Longer Member of Controlled Group

    By Guest PLHart, November 29, 1999
    • 2 replies
    • 2.6k views
    • 
    • IRC401
    • December 1, 1999

27. Picking and Choosing Among NHCEs If All HCEs are Excluded

    By Guest jhall, May 14, 2008
    • 4 replies
    • 2.6k views
    • 
    • Guest
    • May 16, 2008

28. Coverage and Nondiscrimination Testing

    By ERISA25, October 9, 2013
    • 9 replies
    • 2.6k views
    • 
    • ETA Consulting LLC
    • October 12, 2013

29. Top Heavy; Safe Harbor excludes HCEs

    By Tom, August 17, 2018
    • 4 replies
    • 2.6k views
    • 
    • justanotheradmin
    • August 20, 2018

30. When is automatic enrollment not automatic enrollment?

    By CTipper, September 16, 2007
    • 14 replies
    • 2.6k views
    • 
    • MSN
    • October 3, 2007

31. Highly compensated employee definition

    By Guest phy401k, November 15, 2006
    • 3 replies
    • 2.6k views
    • 
    • Guest
    • November 15, 2006

32. QACA Safe Harbor Match

    By Effen, May 13, 2011
    • 2 replies
    • 2.6k views
    • 
    • Effen
    • May 14, 2011

33. Refund of contributions from ineligible participant

    By Guest ljansen, October 9, 2003
    • 5 replies
    • 2.6k views
    • 
    • Guest
    • October 10, 2003

34. Late deposits on match made each payroll

    By Guest Peggy806, February 18, 2009
    • 6 replies
    • 2.6k views
    • 
    • Guest
    • February 23, 2009

35. Keogh Plan excess contributions

    By Guest ticket, January 29, 1999
    • 0 replies
    • 2.6k views
    • 
    • Guest
    • January 29, 1999

36. For Testing & Determining HCE - Does Comp Definition include W-2 and 1099 or just W-2?

    By AContreras, March 9, 2015   

    • Determining HCE
    • 10 replies
    • 2.6k views
    • 
    • hr for me
    • March 10, 2015

37. Off Calendar ADP Failure / 402g limit for rest of yea

    By Guest JPitcl, October 29, 2007
    • 4 replies
    • 2.6k views
    • 
    • dmwe
    • November 21, 2007

38. Safe Harbor 401(k) and different eligibility requirements for hourly and salaried employees

    By Guest lawclerk, July 25, 2006
    • 4 replies
    • 2.6k views
    • 
    • Guest
    • July 26, 2006

39. Coverage Testing

    By Guest Mike Schwing, January 3, 2008
    • 6 replies
    • 2.6k views
    • 
    • zimbo
    • January 7, 2008

40. Amending Terminating 401(k) for SBJPA

    By Guest jhtobin, November 8, 1999
    • 2 replies
    • 2.6k views
    • 
    • MWeddell
    • November 9, 1999

41. 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

42. CARES Act Loan Provisions - Ambiguities

    By Luke Bailey, April 14, 2020
    • 19 replies
    • 2.6k views
    • 
    • Luke Bailey
    • April 16, 2020

43. How to report hardship distributions on Form 1099-R after 12/31/99?

    By Guest ralar, October 27, 1999
    • 2 replies
    • 2.6k views
    • 
    • bzorc
    • November 1, 1999

44. treatment of former employees

    By Guest Charlie Stevens, April 20, 1999
    • 6 replies
    • 2.6k views
    • 
    • david shipp
    • April 21, 1999

45. Employer required 401K?

    By Guest aoshell, June 28, 2001
    • 7 replies
    • 2.6k views
    • 
    • Guest
    • July 4, 2001

46. Can Husband Use Wife's Plan?

    By DP, January 17, 2007
    • 13 replies
    • 2.6k views
    • 
    • Belgarath
    • January 31, 2007

47. k-1 Compensation and Deferrals

    By Guest Max Power, December 17, 2003
    • 0 replies
    • 2.6k views
    • 
    • Guest
    • December 17, 2003

48. Pre-funding Employer Contributions

    By SMB, June 17, 2010
    • 3 replies
    • 2.6k views
    • 
    • 401king
    • June 17, 2010

49. Change amount of deferrals.

    By Guest Michael Spaid, April 27, 1999
    • 2 replies
    • 2.6k views
    • 
    • MWeddell
    • April 28, 1999

50. Vesting on added Profit Sharing Plan

    By Topps_52311, December 5, 2017
    • 12 replies
    • 2.6k views
    • 
    • Topps_52311
    • December 8, 2017