401(k) Plans

19,321 topics in this forum

1. Sec 4979 excise tax

   By Guest jim williams, March 20, 2003
   • 6 replies
   • 3.4k views
   • 
   • Mike Preston
   • March 20, 2003

2. Spousal Consent w/Distributions

   By Guest TLCPension, June 25, 2003
   • 6 replies
   • 1.8k views
   • 
   • Appleby
   • June 27, 2003

3. Collective bargaining agreement (CBA) formula and pre-approved plan document

   By 30Rock, April 23, 2024
   • 6 replies
   • 1.3k views
   • 
   • Peter Gulia
   • April 23, 2024

4. Irrevocably Elect Not to Participate in the Plan

   By Madison71, April 1, 2010
   • 6 replies
   • 3.9k views
   • 
   • Tom Poje
   • April 5, 2010

5. Matching Contribution Inequity - Change to straight match not defined as a % of salary?

   By MD-Benefits Guy, December 6, 2012
   • 6 replies
   • 1.4k views
   • 
   • Mike Preston
   • December 7, 2012

6. Successor Plan & adoption vs effective date

   By TPApril, January 31, 2023
   • 6 replies
   • 1.2k views
   • 
   • Lou S.
   • July 7, 2025

7. Plan Amendments

   By Guest cbuxton, January 22, 2002
   • 6 replies
   • 1.8k views
   • 
   • Guest
   • January 25, 2002

8. Can a plan use money in their forfeiture account to pay the gains on e

   By Guest Michael Anderson, September 3, 2002
   • 6 replies
   • 1.5k views
   • 
   • E as in ERISA
   • September 3, 2002

9. Help Search

   By kocak, April 29, 2003
   • 6 replies
   • 1.4k views
   • 
   • kocak
   • April 30, 2003

10. Attributable match question...

    By jaemmons, February 23, 2005
    • 6 replies
    • 3.8k views
    • 
    • Bird
    • February 24, 2005

11. Can employer be generous in a safe harbor plan

    By Guest lhinson, November 1, 2005
    • 6 replies
    • 1.9k views
    • 
    • Guest
    • November 5, 2005

12. Match in excess of formula and ACP Test

    By commishvp, March 1, 2007
    • 6 replies
    • 2.8k views
    • 
    • fiona1
    • March 1, 2007

13. Timing of Deferral on K-1 income

    By Guest Amborg2, December 15, 2010
    • 6 replies
    • 12.8k views
    • 
    • jpod
    • December 16, 2010

14. Matching formula based on Years of Service

    By cpc0506, February 13, 2017   

    • allocation conditions
    • 6 replies
    • 1.6k views
    • 
    • Tom Poje
    • February 14, 2017

15. Stop Safe Harbor on 1/1 - notice requirement

    By TinaW, December 30, 2024
    • 6 replies
    • 1.7k views
    • 
    • Lou S.
    • January 3, 2025

16. How to treat employer securities in a 401(k) and ESOP that are combined in the same plan document.

    By katieinny, May 4, 2005
    • 6 replies
    • 1.8k views
    • 
    • katieinny
    • May 5, 2005

17. Payment of Plan Expenses from Forfeitures

    By Guest Born2Run, July 23, 2009
    • 6 replies
    • 1.8k views
    • 
    • Guest
    • July 28, 2009

18. 401k Loan Amount - What is the max for me?

    By sarathesmith2, February 24, 2019
    • 6 replies
    • 3.6k views
    • 
    • card
    • February 26, 2019

19. On Demand Pay Arrangements & Plan Compensation

    By MSN, January 31, 2023
    • 6 replies
    • 2.4k views
    • 
    • MSN
    • February 17, 2023

20. Missed Roth deferral and QNEC is non-Roth

    By andrew, August 28, 2023
    • 6 replies
    • 3.2k views
    • 
    • andrew
    • August 29, 2023

21. SECURE 2.0 2025 auto-enrollment applying to LTPT employees?

    By Belgarath, October 28, 2024
    • 6 replies
    • 2.6k views
    • 
    • RatherBeGolfing
    • October 31, 2024

22. Retroactive Amendment question

    By Guest chris4013, June 29, 2005
    • 6 replies
    • 1.9k views
    • 
    • R. Butler
    • June 29, 2005

23. SH Nonelective - First Plan Year

    By Gilmore, April 29, 2021
    • 6 replies
    • 825 views
    • 
    • Lou S.
    • May 18, 2021

24. LTPT Eligibility for Off-Calendar Year Plans

    By LANDO, October 27, 2023   

    • eligibility
    • ltpt
    • 6 replies
    • 1.5k views
    • 
    • LANDO
    • October 30, 2023

25. Can a plan use the sole proprietor's social security number as its EIN

    By Guest Tara Curran, September 28, 2000
    • 6 replies
    • 2.8k views
    • 
    • Kristina
    • October 3, 2000

26. Mandatory Distribution at NRA

    By Jake Wright, April 15, 2020
    • 6 replies
    • 1.4k views
    • 
    • Luke Bailey
    • May 21, 2020

27. Top Heavy Minimum/401(m) Matching

    By Guest datalife, April 23, 1999
    • 6 replies
    • 2.2k views
    • 
    • John A
    • September 23, 1999

28. Blackout Notice - pooled account

    By 401(k)athryn, June 20, 2023
    • 6 replies
    • 1.9k views
    • 
    • 401(k)athryn
    • June 20, 2023

29. Plan Design Question

    By Spencer, October 19, 2010
    • 6 replies
    • 1.1k views
    • 
    • BG5150
    • October 21, 2010

30. 3% SHNEC is chosen in AA but not ACP SH

    By Jim Chad, September 12, 2018
    • 6 replies
    • 1.4k views
    • 
    • Tom Poje
    • September 13, 2018

31. Loan Refinancing

    By MarZDoates, September 24, 2002
    • 6 replies
    • 3.8k views
    • 
    • MarZDoates
    • September 24, 2002

32. How to handle deferrals that were never made?

    By Guest Shmedd, September 19, 2003
    • 6 replies
    • 2.9k views
    • 
    • R. Butler
    • October 13, 2003

33. Flat Dollar

    By Logan401, November 16, 2010
    • 6 replies
    • 2k views
    • 
    • Logan401
    • November 17, 2010

34. Two participants with the same SSN

    By Guest TPA Guy, February 20, 2013
    • 6 replies
    • 2.3k views
    • 
    • Peter Gulia
    • February 22, 2013

35. ACP testing, excluded class of employees

    By Belgarath, October 27, 2017
    • 6 replies
    • 1.4k views
    • 
    • NJ Mike
    • October 27, 2017

36. Automatic enrollment failure and terminated employees

    By MATRIX, May 18, 2025
    • 6 replies
    • 1.6k views
    • 
    • MATRIX
    • May 22, 2025

37. Coverage test with allocation condition

    By TH 401k, October 29, 2025
    • 6 replies
    • 816 views
    • 
    • TH 401k
    • October 30, 2025

38. Time-Sensitive "Negative Election" Question

    By Übernerd, April 8, 2005
    • 6 replies
    • 1.3k views
    • 
    • Übernerd
    • April 8, 2005

39. Employer Matching

    By pmacduff, October 17, 2007
    • 6 replies
    • 1.5k views
    • 
    • austin3515
    • October 19, 2007

40. Match Coverage Failure and ADP/ACP Testing

    By PensionPro, April 5, 2023
    • 6 replies
    • 1.4k views
    • 
    • BG5150
    • April 10, 2023

41. Form 5500, Audit requirement

    By Guest cfspr, August 8, 2003
    • 6 replies
    • 2.4k views
    • 
    • E as in ERISA
    • August 22, 2003

42. Hardship Amount Available?

    By rr_sphr, June 13, 2019
    • 6 replies
    • 1.5k views
    • 
    • Pam Shoup
    • June 14, 2019

43. Match doesn't start until 3%

    By Just Tri, June 3, 2020
    • 6 replies
    • 739 views
    • 
    • Luke Bailey
    • June 4, 2020

44. Differing match and ps in plan without HCEs and Keys

    By ldr, July 1, 2021   

    • controlled group
    • discretionary match
    • (and 1 more)

      Tagged with:

      • controlled group
      • discretionary match
      • profit sharing contributions
    • 6 replies
    • 1.1k views
    • 
    • Susan L
    • July 7, 2021

45. $150,000 penalty

    By Orlando advisor, January 4, 2025
    • 6 replies
    • 1.2k views
    • 
    • ERISALawyr
    • January 7, 2025

46. Start-up 401(k)

    By rlb64, July 23, 2009
    • 6 replies
    • 2k views
    • 
    • Tom Poje
    • July 24, 2009

47. Merging SH and Non-SH Plans as of 1/1/2015

    By austin3515, October 24, 2014
    • 6 replies
    • 1.5k views
    • 
    • austin3515
    • November 2, 2014

48. Death Distribution - 4 beneficiaries 25% each

    By BLM, October 27, 2017
    • 6 replies
    • 788 views
    • 
    • acm_acm
    • November 1, 2017

49. eligibility using eligibility service

    By KevinMc, November 20, 2019
    • 6 replies
    • 1.1k views
    • 
    • Larry Starr
    • November 22, 2019

50. Correcting Excess Deferrals

    By steve45, December 31, 2021   

    • 402g refund
    • 402g limit
    • (and 1 more)

      Tagged with:

      • 402g refund
      • 402g limit
      • excess
    • 6 replies
    • 1.2k views
    • 
    • chc93
    • January 3, 2022