401(k) Plans

19,337 topics in this forum

1. Exclude HCE from 401(k) plan w/out provision?

   By TPApril, April 15, 2016
   • 10 replies
   • 2.5k views
   • 
   • TPApril
   • April 18, 2016

2. safe harbor amendment

   By Gary, August 8, 2011
   • 10 replies
   • 2.5k views
   • 
   • Kevin C
   • January 13, 2012

3. 411(d)(6) cutback to amend plan that allowed immediate distributions o

   By EGB, March 28, 2000
   • 4 replies
   • 2.5k views
   • 
   • david rigby
   • March 28, 2002

4. Change to an Excluded Class

   By Guest andmik, June 11, 2010
   • 3 replies
   • 2.5k views
   • 
   • Mike Preston
   • June 11, 2010

5. HCE determination question

   By fiona1, May 10, 2007
   • 6 replies
   • 2.5k views
   • 
   • austin3515
   • May 12, 2007

6. Excluding classes of employees

   By Guest Clain, May 25, 2007
   • 6 replies
   • 2.5k views
   • 
   • 401_4_ever
   • May 25, 2007

7. MRD's--spousal consent and hangers on

   By Brian Gallagher, October 27, 2003
   • 3 replies
   • 2.5k views
   • 
   • KJohnson
   • October 27, 2003

8. Converting K1 to "plan wage" for cross test

   By jmartin, April 28, 2014
   • 2 replies
   • 2.5k views
   • 
   • jmartin
   • April 28, 2014

9. Safe Harbor 401(k) Doc issue

   By goldtpa, August 10, 2006
   • 8 replies
   • 2.5k views
   • 
   • Tom Poje
   • August 15, 2006

10. Auto enrollment immediate eligibility

    By Guest IRISH79, March 15, 2007
    • 2 replies
    • 2.5k views
    • 
    • JanetM
    • March 15, 2007

11. 402(g) excess - if caught prior to end of plan year, can it be corrected through payroll?

    By Rory, November 9, 2022
    • 6 replies
    • 2.5k views
    • 
    • EmpbAF
    • November 11, 2022

12. Affiliated Service Group and 401(k) testing

    By Guest philc, February 25, 2004
    • 5 replies
    • 2.5k views
    • 
    • Guest
    • February 26, 2004

13. Address Changes

    By 401Katie, September 9, 2025
    • 4 replies
    • 2.5k views
    • 
    • Paul I
    • September 10, 2025

14. Funky Demutualization Question - Life Insurance Held by a 401(k) Plan

    By Scott, January 28, 2005
    • 6 replies
    • 2.5k views
    • 
    • david rigby
    • February 2, 2005

15. Vesting Amendment - 3 years of service required to get election rights

    By Guest Ducks, December 10, 2004
    • 22 replies
    • 2.5k views
    • 
    • Blinky the 3-eyed Fish
    • December 14, 2004

16. Unique requirements for vesting

    By Guest caddieadmin, February 16, 2007
    • 10 replies
    • 2.5k views
    • 
    • Guest
    • February 28, 2007

17. ER Disc. Match for Owners were not made (in error) requirements?

    By Guest JP-39, July 28, 2011
    • 3 replies
    • 2.5k views
    • 
    • Guest
    • August 3, 2011

18. deduction for profit sharing contribution not actually made

    By k man, August 18, 2008
    • 18 replies
    • 2.5k views
    • 
    • K2retire
    • August 20, 2008

19. ACP Failure - Match Funded AFTER March 15th

    By kevind2010, February 19, 2015
    • 4 replies
    • 2.5k views
    • 
    • chc93
    • February 20, 2015

20. Employer fails for 4 yrs to make safe harbor contr.

    By Guest Rockybuddy, June 29, 2011
    • 15 replies
    • 2.5k views
    • 
    • J Simmons
    • July 1, 2011

21. Loan Repayments while laid off?

    By Guest Michael Anderson, February 9, 2004
    • 5 replies
    • 2.5k views
    • 
    • Kirk Maldonado
    • February 9, 2004

22. Question on W2 Box 13

    By khn, January 8, 2014
    • 6 replies
    • 2.5k views
    • 
    • Flyboyjohn
    • January 9, 2014

23. Cross Tested plan with QNEC's

    By Mr Bagwell, October 19, 2016   

    • QNEC
    • Cross Tested Plan
    • 11 replies
    • 2.5k views
    • 
    • austin3515
    • November 11, 2016

24. Employee was non-union and now union employee

    By DDB BN, February 19, 2020
    • 4 replies
    • 2.5k views
    • 
    • Larry Starr
    • February 19, 2020

25. Multiple Use test

    By fiona1, December 22, 2005
    • 5 replies
    • 2.5k views
    • 
    • fiona1
    • December 28, 2005

26. Phantom Stock

    By alexa, April 1, 2012
    • 6 replies
    • 2.5k views
    • 
    • jpod
    • April 2, 2012

27. ADP/ACP Prior Year Testing

    By Archimage, March 23, 2005
    • 13 replies
    • 2.5k views
    • 
    • Archimage
    • March 28, 2005

28. Distribution event?

    By Oh so SIMPLE, May 23, 2012
    • 2 replies
    • 2.5k views
    • 
    • 00hskrgrl
    • May 23, 2012

29. question about entry date and payroll

    By Lori H, October 16, 2014
    • 7 replies
    • 2.5k views
    • 
    • QDROphile
    • October 16, 2014

30. Control Group Determination

    By pixmax, October 20, 2010
    • 14 replies
    • 2.5k views
    • 
    • austin3515
    • October 21, 2010

31. Deferrals from bonus question

    By BG5150, June 8, 2020
    • 10 replies
    • 2.5k views
    • 
    • Larry Starr
    • June 9, 2020

32. Can the 401(k) hardship safe harbors and facts-and-circumstances tests

    By John A, December 10, 1999
    • 5 replies
    • 2.5k views
    • 
    • KJohnson
    • June 1, 2001

33. Deferral Limit on HCE's

    By Guest scuba80, September 17, 2008
    • 6 replies
    • 2.5k views
    • 
    • Guest
    • September 18, 2008

34. Wants to defer out of bonus only

    By Guest dubya, March 8, 2004
    • 13 replies
    • 2.5k views
    • 
    • Lame Duck
    • March 18, 2004

35. QNEC Allocation

    By Guest Tina Pickard, March 21, 2002
    • 1 reply
    • 2.5k views
    • 
    • Blinky the 3-eyed Fish
    • March 22, 2002

36. ADP Refunds / Total vs PD

    By fiona1, July 9, 2007
    • 12 replies
    • 2.5k views
    • 
    • Guest
    • July 12, 2007

37. QNEC in testing

    By tpyle, May 22, 2019
    • 2 replies
    • 2.5k views
    • 
    • justanotheradmin
    • May 22, 2019

38. Safe Harbor and Dual Eligibility

    By Gilmore, June 14, 2021
    • 15 replies
    • 2.5k views
    • 
    • TH 401k
    • October 20, 2025

39. HCE in Iraq - Is he in the ADP test

    By Guest annieap1, February 7, 2005
    • 13 replies
    • 2.5k views
    • 
    • could be me maybe not
    • February 9, 2005

40. Residual Received After Plan Termination

    By metsfan026, September 25, 2025
    • 5 replies
    • 2.5k views
    • 
    • david rigby
    • September 27, 2025

41. Form 5500 Schedule D

    By Guest Nanetta45, May 12, 2009
    • 2 replies
    • 2.5k views
    • 
    • BG5150
    • May 13, 2009

42. EPCRS Correction / Loan Default

    By austin3515, March 21, 2017
    • 15 replies
    • 2.5k views
    • 
    • Tom Poje
    • March 23, 2017

43. Included Excluded Employees

    By goldtpa, December 30, 2011
    • 6 replies
    • 2.5k views
    • 
    • EBDI
    • November 30, 2012

44. Overfunding Safe Harbor Contribution can use classify as "mistake

    By Guest Kelly Musico, March 7, 2000
    • 0 replies
    • 2.5k views
    • 
    • Guest
    • March 7, 2000

45. Employer contributions for student loan payment

    By Eve Sav, July 6, 2018   

    • student loan debt
    • employer contributions tied to student loan payments
    • 14 replies
    • 2.5k views
    • 
    • Larry Starr
    • July 26, 2018

46. DOL Calculator w/o VFCP Filing

    By austin3515, June 19, 2006
    • 6 replies
    • 2.5k views
    • 
    • austin3515
    • June 28, 2006

47. SCAM - Loaning deferral monies to participants? Have you seen this!

    By Erik Read, February 7, 2002
    • 9 replies
    • 2.5k views
    • 
    • mbozek
    • April 11, 2002

48. Historical Applicable Federal Rates

    By Guest TheBadger, December 5, 2004
    • 3 replies
    • 2.5k views
    • 
    • GBurns
    • December 8, 2004

49. Those darn leased employees!

    By Guest erisafried, October 16, 2002
    • 9 replies
    • 2.5k views
    • 
    • Guest
    • October 22, 2002

50. Recharacterized Deferrals as Catch-Up and 415 limit

    By Guest darrensoup, November 4, 2005
    • 3 replies
    • 2.5k views
    • 
    • Leopurrd
    • November 10, 2005