401(k) Plans

19,321 topics in this forum

1. Employer contribution by salary reduction

   By spiritrider, October 9, 2019
   • 7 replies
   • 2.1k views
   • 
   • Bill Presson
   • October 10, 2019

2. Account set up for mega back door Roth

   By Santo Gold, December 14, 2022
   • 7 replies
   • 778 views
   • 
   • CuseFan
   • December 16, 2022

3. 2025 super catchup

   By Tom, November 4, 2024
   • 7 replies
   • 1.1k views
   • 
   • MoJo
   • November 6, 2024

4. IRS Audit

   By justatester, February 24, 2012
   • 7 replies
   • 1.5k views
   • 
   • John Feldt ERPA CPC QPA
   • February 24, 2012

5. Eligibility part-time exclusion and past service

   By Tom, July 19, 2021
   • 7 replies
   • 1.1k views
   • 
   • CuseFan
   • July 20, 2021

6. Extra Match causing 415 violations/testing problems in off plan year.

   By Guest Brenda Schachle, May 16, 2001
   • 7 replies
   • 2.3k views
   • 
   • M R Bernardin
   • May 18, 2001

7. Exclude deferrals from bonus from SH Match?

   By jkharvey, April 13, 2018
   • 7 replies
   • 2.6k views
   • 
   • Luke Bailey
   • June 18, 2018

8. 3% safe harbor for union employees

   By jkharvey, November 7, 2000
   • 7 replies
   • 2.8k views
   • 
   • Noah
   • March 31, 2022

9. Tips for passing ADP test - plan with large number of transient worker

   By maverick, May 24, 2002
   • 7 replies
   • 1.9k views
   • 
   • maverick
   • May 24, 2002

10. 401k SH non-elective contribution

    By J Simmons, August 25, 2008
    • 7 replies
    • 5k views
    • 
    • rlb64
    • May 6, 2009

11. Repaying QBADs

    By austin3515, May 4, 2024
    • 7 replies
    • 2.1k views
    • 
    • C. B. Zeller
    • May 6, 2024

12. Top Heavy Contribution

    By MBCarey, July 24, 2003
    • 7 replies
    • 2.3k views
    • 
    • R. Butler
    • July 24, 2003

13. REA & 1.411(d)-4

    By ERISA25, August 25, 2009
    • 7 replies
    • 2.7k views
    • 
    • Mike Preston
    • September 2, 2009

14. Late 401(k) deposits & Payroll date

    By TPApril, September 19, 2012
    • 7 replies
    • 1.4k views
    • 
    • ESOP Guy
    • November 1, 2012

15. LLC, Retained Earnings and 401K plans

    By jsmith1985, September 17, 2016
    • 7 replies
    • 2.5k views
    • 
    • jsmith1985
    • September 24, 2016

16. Excluding highly compensated employee who is not an owner from a plan

    By rblum50, May 23, 2022
    • 7 replies
    • 1.3k views
    • 
    • david rigby
    • May 24, 2022

17. 401(k) Out-of-compliance in Plan's first year

    By Guest KAGEM, May 7, 2002
    • 7 replies
    • 1.9k views
    • 
    • mbozek
    • May 7, 2002

18. "frozen" plan

    By stevena, July 27, 2004
    • 7 replies
    • 2.7k views
    • 
    • stevena
    • August 5, 2004

19. safe harbor match changing from payroll calc to annual

    By Santo Gold, October 24, 2007
    • 7 replies
    • 2.8k views
    • 
    • Kevin C
    • November 5, 2007

20. Beneficiary Designation Forms

    By CLE401kGuy, December 14, 2012
    • 7 replies
    • 1.5k views
    • 
    • masteff
    • December 17, 2012

21. Combining Sources

    By 401k Nut, April 25, 2019   

    • 401k
    • 7 replies
    • 587 views
    • 
    • david rigby
    • April 28, 2019

22. TH minimum required?

    By RatherBeGolfing, September 13, 2023
    • 7 replies
    • 1k views
    • 
    • Below Ground
    • September 14, 2023

23. EACA Mandate and QACA

    By MATRIX, June 30, 2025
    • 7 replies
    • 1.3k views
    • 
    • Lou S.
    • August 25, 2025

24. Using compensation only while participant for 3% safe harbor QNEC?

    By Guest GMedley, February 21, 2001
    • 7 replies
    • 3.8k views
    • 
    • R. Butler
    • February 23, 2001

25. 401k deferrals after reaching 250k of income?

    By MD-Benefits Guy, January 19, 2012
    • 7 replies
    • 4.3k views
    • 
    • masteff
    • January 21, 2012

26. Matching Contribution -True up

    By Nassau, July 8, 2013
    • 7 replies
    • 7.1k views
    • 
    • 401king
    • December 22, 2014

27. Self-employed compensation calculation

    By bevfair, February 24, 2017
    • 7 replies
    • 892 views
    • 
    • bevfair
    • February 28, 2017

28. Client Guidance in Difficult Times

    By katie58, March 18, 2020
    • 7 replies
    • 904 views
    • 
    • jsample
    • March 18, 2020

29. Company Acquisition

    By KateSmithPA, March 26, 2003
    • 7 replies
    • 2.8k views
    • 
    • Guest
    • March 27, 2003

30. Hardship withdrawal

    By simba, May 16, 2016   

    • 401k hardship
    • 7 replies
    • 2.1k views
    • 
    • simba
    • May 17, 2016

31. 1000 hours requirement waived for disability

    By Guest Tammy2006, January 6, 2006
    • 7 replies
    • 2.4k views
    • 
    • Tom Poje
    • January 6, 2006

32. Very wealthy doctor

    By rblum50, March 18, 2022
    • 7 replies
    • 910 views
    • 
    • Nate S
    • March 22, 2022

33. HCE determination - stupid question

    By MarZDoates, February 3, 2006
    • 7 replies
    • 1.9k views
    • 
    • MarZDoates
    • February 7, 2006

34. 100% deferral, limited to 90% by payroll provider??

    By Craig Garner, October 14, 2015
    • 7 replies
    • 4k views
    • 
    • hr for me
    • October 15, 2015

35. If an employer with a 401(k) plan with a discretionary match decides t

    By Guest Phil L, October 13, 1999
    • 7 replies
    • 2k views
    • 
    • Guest
    • October 28, 1999

36. Loans -- Leave of Absence

    By Archimage, November 6, 2003
    • 7 replies
    • 4k views
    • 
    • Archimage
    • November 6, 2003

37. Closure of Fidelity Low Priced Stock Fund

    By Guest PAL100759, July 27, 2004
    • 7 replies
    • 2.3k views
    • 
    • Guest
    • August 2, 2004

38. Safe Harbor Notice mid-year non-Safe Harbor contribution change

    By Guest LStein, June 8, 2005
    • 7 replies
    • 1.9k views
    • 
    • R. Butler
    • June 9, 2005

39. 401k part owner not participating in plan

    By tertue, September 20, 2012
    • 7 replies
    • 2.7k views
    • 
    • ETA Consulting LLC
    • September 20, 2012

40. Lost Earnings on Missed Deferrals and SHMAT

    By FT Retire, April 25, 2023
    • 7 replies
    • 1.4k views
    • 
    • BG5150
    • May 17, 2023

41. Employer with SIMPLE IRA wants to adopt a 401(k)

    By Guest Judy S, January 21, 2005
    • 7 replies
    • 1.4k views
    • 
    • jevd
    • January 24, 2005

42. family attribution

    By pmacduff, April 22, 2014
    • 7 replies
    • 1.6k views
    • 
    • BG5150
    • April 24, 2014

43. Takeover 401(k) sub-s plan with owner(participant) loans.

    By pbarrett, August 18, 2000
    • 7 replies
    • 2.4k views
    • 
    • Guest
    • May 13, 2002

44. SHNEC not contributed for Partners

    By Spencer, September 22, 2011
    • 7 replies
    • 1.4k views
    • 
    • ETA Consulting LLC
    • October 11, 2011

45. 401(k) loan interest rate and how do employees on straight commission pay back their loan if sometimes they get no pay?

    By RayJJohnsonJr, January 11, 2017
    • 7 replies
    • 1.4k views
    • 
    • MWeddell
    • January 24, 2017

46. Eligibility Question

    By Guest andmik, February 9, 2005
    • 7 replies
    • 1.6k views
    • 
    • Bird
    • February 10, 2005

47. Participant Communications/Notice Requirements

    By Nassau, January 7, 2015   

    • Reenrollment
    • 7 replies
    • 1.8k views
    • 
    • Kevin C
    • January 8, 2015

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

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

49. Incorrect Deferral Percentage Correction

    By heygents, July 19, 2016
    • 7 replies
    • 2.3k views
    • 
    • Belgarath
    • July 20, 2016

50. Employees with Prevailing Wages

    By coleboy, April 18, 2018
    • 7 replies
    • 3.2k views
    • 
    • Belgarath
    • July 30, 2019