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401(k) Plans

19,526 topics in this forum

  1. About a higher-wage participant’s age-based catch-up, what is an effective opportunity to elect against Roth contributions?

    By Peter Gulia,
    • 3 replies
    • 1.2k views

  2. 401k participant deceased and beneficiary deceased before any distribution made

    By t.haley,
    • 7 replies
    • 2.5k views

  3. Participant's deferral election and non cash compensation

    By TPA Bob,
    • 3 replies
    • 2k views

  4. Super Catch-up for off-calendar plan year

    By pholosofizer,
    • 2 replies
    • 1.3k views

  5. Controlled Group - Multiple 401k Plans and Nondiscrimination Testing

    By LauraS,   
    • 1 reply
    • 1k views

  6. Loan Basis after Deemed Distribution

    By GU,
    • 0 replies
    • 513 views
    • GU
    • GU

  7. MEP

    By TH 401k,
    • 1 reply
    • 698 views

  8. Company Wants to Leave PEO Plan

    By 401kSteve,
    • 0 replies
    • 649 views

  9. New safe harbor plan

    By PensionPro,
    • 6 replies
    • 1.7k views

  10. Wording of Merger effective date

    By austin3515,
    • 25 replies
    • 5.8k views

  11. Missed Deferral Opportunity? - Controlled Group - $0 Deferral

    By Vlad401k,
    • 3 replies
    • 1.3k views

  12. Trustee Was Killed

    By Coleboy1,
    • 10 replies
    • 2.8k views

  13. 401(k) Plan for Collectively Bargained Employees -- Is ADP/Safe Harbor Language Required?

    By rocknrolls2,
    • 1 reply
    • 994 views

  14. Form 5500 - Mistake On Participant Count (Amended Form Needed?)

    By metsfan026,
    • 3 replies
    • 2.3k views
    • Bri
    • Bri

  15. Mega Back Door Roth

    By thepensionmaven,
    • 4 replies
    • 2.8k views

  16. LTPT in Average Benefit Test

    By Vlad401k,
    • 1 reply
    • 722 views

  17. Terminating from a PEP

    By MATRIX,
    • 1 reply
    • 1.2k views

  18. 3 months eligibility with 520 hours

    By jsample,
    • 6 replies
    • 8.2k views

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

    By Peter Gulia,
    • 7 replies
    • 1.4k views

  20. Self Employment Income determination

    By Rose,
    • 8 replies
    • 4.2k views

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

    By TPApril,
    • 1 reply
    • 1.3k views

  22. Catch-ups and Roth availability

    By BG5150,
    • 7 replies
    • 1.7k views

  23. 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
    • 1.8k views

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

    By MikeB,
    • 2 replies
    • 2.5k views

  25. AE Mandate

    By MATRIX,
    • 7 replies
    • 2.7k views

  26. Form 5500 Extension Requirement

    By metsfan026,
    • 6 replies
    • 4.1k views

  27. Reclassifying safe harbor match contributions?

    By Miles Leech,   
    • 1 reply
    • 1.4k views

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

    By justanotheradmin,
    • 30 replies
    • 8.3k views

  29. Secure 2.0/Cares/CAA addendum

    By Pixie,
    • 2 replies
    • 987 views

  30. 401k Plan - must a QDRO be prepared

    By DDB BN,
    • 14 replies
    • 4.4k views

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

    By Peter Gulia,
    • 14 replies
    • 3.3k views

  32. Letting some NHCEs in early by name

    By Tonya,
    • 15 replies
    • 3.2k views

  33. When did a merger really happen

    By austin3515,
    • 6 replies
    • 2k views

  34. Making Up Missed Roth Contributions

    By metsfan026,
    • 5 replies
    • 1.6k views

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

    By TPApril,
    • 2 replies
    • 1.3k views

  36. Late deferral deposits and earnings calculation

    By Tom,
    • 12 replies
    • 3.8k views

  37. Profit Sharing Plan Adding 401(k) Features

    By mming,
    • 3 replies
    • 1.2k views

  38. Opt-out

    By Bruce1,
    • 3 replies
    • 1.8k views

  39. eligibility question

    By Tom,
    • 3 replies
    • 1.6k views

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

    By Santo Gold,
    • 10 replies
    • 2.8k views

  41. RMD from Roth

    By Brenda Wren,
    • 4 replies
    • 3.5k views

  42. Prevailing Wages Issues

    By Senior Pension Admin,
    • 2 replies
    • 1.5k views

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

    By Senior Pension Admin,
    • 8 replies
    • 2.3k views

  44. Successor Plan & adoption vs effective date

    By TPApril,
    • 6 replies
    • 2.3k views

  45. Form 5500 Question - Pre-Funded Contribution

    By metsfan026,
    • 5 replies
    • 2.3k views

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

    By metsfan026,
    • 1 reply
    • 1k views

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

    By MeAgainst401K,
    • 0 replies
    • 927 views

  48. correcting failed ADP Test

    By Lou81,   
    • 3 replies
    • 1.2k views

  49. Another LTPT Inquiry

    By thepensionmaven,
    • 8 replies
    • 1.5k views

  50. 414s test

    By gregburst,
    • 6 replies
    • 1.9k views
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