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401(k) Plans

19,466 topics in this forum

  1. Mega Back Door Roth

    By thepensionmaven,
    • 4 replies
    • 2.5k views

  2. LTPT in Average Benefit Test

    By Vlad401k,
    • 1 reply
    • 573 views

  3. Terminating from a PEP

    By MATRIX,
    • 1 reply
    • 907 views

  4. 3 months eligibility with 520 hours

    By jsample,
    • 6 replies
    • 7.3k views

  5. Does a recordkeeper have an indicator for whether a participant is an employee or is a self-employed individual?

    By Peter Gulia,
    • 7 replies
    • 948 views

  6. Self Employment Income determination

    By Rose,
    • 8 replies
    • 3.5k views

  7. Failed ADP Test, Excess Contributions, Fiscal Years & Taxation

    By TPApril,
    • 1 reply
    • 1.1k views

  8. Catch-ups and Roth availability

    By BG5150,
    • 7 replies
    • 1.3k views

  9. Is $150,000 the limit on 2025 FICA wages before a participant must make 2026 age-based-catch-up elective deferrals as Roth contributions?

    By Peter Gulia,
    • 1 reply
    • 1.4k views

  10. Loans from 401(k) Were for More Than 50% of Vested Balance; How to Fix?

    By MikeB,
    • 2 replies
    • 2k views

  11. AE Mandate

    By MATRIX,
    • 7 replies
    • 2.3k views

  12. Form 5500 Extension Requirement

    By metsfan026,
    • 6 replies
    • 3.2k views

  13. Reclassifying safe harbor match contributions?

    By Miles Leech,   
    • 1 reply
    • 1.2k views

  14. Employer Contributions for SIMPLE to 401(k) SECURE 2.0

    By justanotheradmin,
    • 30 replies
    • 6.7k views

  15. Secure 2.0/Cares/CAA addendum

    By Pixie,
    • 2 replies
    • 738 views

  16. 401k Plan - must a QDRO be prepared

    By DDB BN,
    • 14 replies
    • 3.4k views

  17. A higher-paid employee’s catch-up must be Roth deferrals—how to implement?

    By Peter Gulia,
    • 14 replies
    • 2.5k views

  18. Letting some NHCEs in early by name

    By Tonya,
    • 15 replies
    • 2.3k views

  19. When did a merger really happen

    By austin3515,
    • 6 replies
    • 1.4k views

  20. Making Up Missed Roth Contributions

    By metsfan026,
    • 5 replies
    • 1.3k views

  21. ADP Test: can switch from prior to current after EOY

    By TPApril,
    • 2 replies
    • 999 views

  22. Late deferral deposits and earnings calculation

    By Tom,
    • 12 replies
    • 2.9k views

  23. Profit Sharing Plan Adding 401(k) Features

    By mming,
    • 3 replies
    • 862 views

  24. Opt-out

    By Bruce1,
    • 3 replies
    • 1.4k views

  25. eligibility question

    By Tom,
    • 3 replies
    • 1.2k views

  26. Company going broke and closing doors. Can't afford safe harbor match

    By Santo Gold,
    • 10 replies
    • 2.1k views

  27. RMD from Roth

    By Brenda Wren,
    • 4 replies
    • 2.8k views

  28. Prevailing Wages Issues

    By Senior Pension Admin,
    • 2 replies
    • 1.1k views

  29. Aggregate Testing for 401(k) Plans under same employer

    By Senior Pension Admin,
    • 8 replies
    • 1.7k views

  30. Successor Plan & adoption vs effective date

    By TPApril,
    • 6 replies
    • 1.7k views

  31. Form 5500 Question - Pre-Funded Contribution

    By metsfan026,
    • 5 replies
    • 1.6k views

  32. Matching Contribution for New Acquisition (Can It Be Different Than Entire Company?)

    By metsfan026,
    • 1 reply
    • 820 views

  33. PTE 80-51 (amended & restated by PTE 91-38) - the 10% investment limit

    By MeAgainst401K,
    • 0 replies
    • 734 views

  34. correcting failed ADP Test

    By Lou81,   
    • 3 replies
    • 862 views

  35. Another LTPT Inquiry

    By thepensionmaven,
    • 8 replies
    • 1.1k views

  36. 414s test

    By gregburst,
    • 6 replies
    • 1.5k views

  37. QACA Safe Harbor Matching Contribution

    By mming,
    • 1 reply
    • 1.3k views

  38. minimum gateway with statutory exclusion

    By Tom,
    • 2 replies
    • 770 views

  39. Form 5330 / E-Filing

    By austin3515,
    • 9 replies
    • 3.1k views

  40. Safe Harbor Match to HCE

    By metsfan026,
    • 5 replies
    • 1.9k views

  41. US Company with Canadian Subsidiary

    By 401kSteve,
    • 1 reply
    • 920 views

  42. Counting of Hours for DC Plan

    By metsfan026,
    • 3 replies
    • 1.2k views

  43. 410 b test failure options for average benefits?

    By Traci,
    • 3 replies
    • 1.3k views

  44. Designated Beneficiary (Annulment)

    By youngbenefitslawyer,
    • 2 replies
    • 909 views

  45. Does EPCRS require calculating and depositing "earnings on earnings" for missed contributions?

    By ERISA guy,
    • 2 replies
    • 883 views

  46. Participant not notified of eligibility - Correction

    By Vlad401k,
    • 4 replies
    • 837 views

  47. Roth Catch Up 1.1.2026

    By 52626,
    • 2 replies
    • 1.2k views

  48. 414(s) Test

    By TJ,
    • 3 replies
    • 1.6k views

  49. Discretionary Match

    By Connor,
    • 4 replies
    • 1.3k views

  50. Testing & 5500 for plan with brokerage and vendor accounts

    By user001,
    • 4 replies
    • 946 views
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