401(k) Plans

19,321 topics in this forum

1. I have a simple IRA at my office, and I want to start a 401k in 2024. Do I need to rollover the funds into 401k account?

   By rbridges, November 21, 2023
   • 6 replies
   • 1.2k views
   • 
   • rbridges
   • November 22, 2023

2. Illegal withdraw of 401k funds

   By Guest loconnell, July 28, 2003
   • 6 replies
   • 2.4k views
   • 
   • Harwood
   • July 30, 2003

3. Beneficiary Designations and Divorce

   By youngbenefitslawyer, January 31, 2025
   • 6 replies
   • 1.3k views
   • 
   • fmsinc
   • February 1, 2025

4. Plan Expenses

   By Guest Ralph, July 26, 2001
   • 6 replies
   • 2.3k views
   • 
   • Kirk Maldonado
   • July 31, 2001

5. Employer Stock Fund

   By Randy Watson, June 1, 2007
   • 6 replies
   • 2.3k views
   • 
   • masteff
   • June 1, 2007

6. Vesting Scenario

   By Mr Bagwell, October 1, 2018   

   • vesting
   • 6 replies
   • 1k views
   • 
   • Mr Bagwell
   • October 2, 2018

7. 3 months eligibility with 520 hours

   By jsample, August 2, 2025
   • 6 replies
   • 1.3k views
   • 
   • Below Ground
   • August 5, 2025

8. Odd Issue

   By Guest elang, February 18, 2010
   • 6 replies
   • 1.2k views
   • 
   • david rigby
   • February 19, 2010

9. CONTROLLED GROUP/ADP TESTING

   By Chippy, March 8, 2017
   • 6 replies
   • 531 views
   • 
   • Tom Poje
   • March 8, 2017

10. excluding "on-call" pay and hours

    By M Norton, January 21, 2019   

    • exclusions
    • on-call pay
    • 6 replies
    • 2.9k views
    • 
    • M Norton
    • January 31, 2019

11. Forfeitures to reduce plan expenses?

    By Guest mattman, May 27, 2003
    • 6 replies
    • 1.9k views
    • 
    • R. Butler
    • May 28, 2003

12. Controlled Group-Lost Opportunity

    By Guest Kevin1, March 17, 2010
    • 6 replies
    • 1.1k views
    • 
    • austin3515
    • March 19, 2010

13. RMD under SECURE Act

    By Dobber, February 4, 2021
    • 6 replies
    • 1.3k views
    • 
    • RatherBeGolfing
    • February 9, 2021

14. 414s test

    By gregburst, June 24, 2025
    • 6 replies
    • 1.1k views
    • 
    • Bri
    • June 27, 2025

15. Impact on 401(a)(4) of using match to satisfy top heavy minimum?

    By AndyH, January 7, 2003
    • 6 replies
    • 4.2k views
    • 
    • AndyH
    • January 9, 2003

16. Walmartization of 401(k) Plans

    By Locust, May 26, 2006
    • 6 replies
    • 2.2k views
    • 
    • Guest
    • June 3, 2006

17. General Testing and BRF Testing

    By justatester, September 3, 2010
    • 6 replies
    • 2.8k views
    • 
    • Mike Preston
    • September 7, 2010

18. New Comp - Separate Alloc Groups - Coverage

    By austin3515, March 13, 2014
    • 6 replies
    • 1k views
    • 
    • Earl
    • March 14, 2014

19. 401k deposits into a SIMPLE investment account

    By cpc0506, August 13, 2014
    • 6 replies
    • 952 views
    • 
    • Bird
    • August 15, 2014

20. Discretionary match on top of SH match

    By AKconsult, November 20, 2018
    • 6 replies
    • 1.4k views
    • 
    • Doc Ument
    • November 23, 2018

21. Quantech 4.3 testing issues - unconfirmed transactions

    By rcline46, February 25, 2000
    • 6 replies
    • 1.9k views
    • 
    • Guest
    • February 29, 2000

22. Technical Amendment Due To Mistake At Plan Setup

    By metsfan026, November 24, 2025
    • 6 replies
    • 718 views
    • 
    • justanotheradmin
    • November 26, 2025

23. Safe Harbor and Auto Enrollment

    By Guest cydavis, April 26, 2006
    • 6 replies
    • 2.2k views
    • 
    • austin3515
    • May 10, 2007

24. Late Deposit

    By Randy Watson, May 18, 2012
    • 6 replies
    • 1.2k views
    • 
    • Randy Watson
    • May 18, 2012

25. Changing ADP/ACP Testing Methods

    By Lucky32, February 22, 2023
    • 6 replies
    • 2.7k views
    • 
    • BG5150
    • February 28, 2023

26. Never contributed the Match

    By Guest Giovanni, March 7, 2005
    • 6 replies
    • 1.5k views
    • 
    • E as in ERISA
    • March 7, 2005

27. Last Day of Plan Year 12/30?

    By MarZDoates, January 12, 2006
    • 6 replies
    • 2.4k views
    • 
    • Guest
    • January 14, 2006

28. Minimum contribution

    By ombskid, April 4, 2007
    • 6 replies
    • 2k views
    • 
    • WDIK
    • April 5, 2007

29. Missing payroll records for 9 years

    By 30Rock, April 27, 2018
    • 6 replies
    • 1.1k views
    • 
    • 30Rock
    • May 1, 2018

30. Hardships

    By Jilliandiz, October 19, 2005
    • 6 replies
    • 2.1k views
    • 
    • Guest
    • October 19, 2005

31. Add Participating Er to Safe Harbor Plan

    By austin3515, December 3, 2013
    • 6 replies
    • 3.1k views
    • 
    • Kevin C
    • December 3, 2013

32. Late Deposit of Deferrals?

    By BG5150, January 19, 2017
    • 6 replies
    • 1.1k views
    • 
    • RestAssured
    • June 15, 2017

33. Prior Service - are eligibility and vesting tied together?

    By Guest Amy Harle, October 2, 2002
    • 6 replies
    • 1.9k views
    • 
    • E as in ERISA
    • October 2, 2002

34. 404(c)

    By Guest Kevin1, November 15, 2005
    • 6 replies
    • 1.6k views
    • 
    • E as in ERISA
    • November 16, 2005

35. Hardship Distribution vs. Known Divorce

    By Guest Taxaholic, July 3, 2007
    • 6 replies
    • 2.8k views
    • 
    • Mike Preston
    • July 3, 2007

36. SH Match plan failing 414(s)

    By BG5150, October 22, 2015
    • 6 replies
    • 1.2k views
    • 
    • BG5150
    • October 23, 2015

37. One person plan - unvested ER @bop

    By TPApril, September 4, 2019
    • 6 replies
    • 747 views
    • 
    • david rigby
    • September 4, 2019

38. merger of off calendar year safe harbor into calendar year safe harbor and transition period

    By 30Rock, March 30, 2022
    • 6 replies
    • 832 views
    • 
    • 30Rock
    • March 30, 2022

39. Terminating plan with forfeitures

    By RatherBeGolfing, August 23, 2022
    • 6 replies
    • 717 views
    • 
    • Nate S
    • August 25, 2022

40. How can a plan sponsor find out if a 5500 has been filed with the IRS?

    By Guest Shea, May 13, 1999
    • 6 replies
    • 2.4k views
    • 
    • Guest
    • July 20, 1999

41. Loan/Hardship Issue

    By Guest JHeller, September 3, 2010
    • 6 replies
    • 1.3k views
    • 
    • 12AX7
    • September 8, 2010

42. Schedule R - Form 5500 Part I Line 3

    By AdKu, October 3, 2017
    • 6 replies
    • 2k views
    • 
    • AdKu
    • October 4, 2017

43. Stock sale of plan participating in a MEP

    By Jen S, October 28, 2022
    • 6 replies
    • 1.8k views
    • 
    • Luke Bailey
    • November 4, 2022

44. Oppose 401A Payout

    By Ron J, November 19, 2024
    • 6 replies
    • 661 views
    • 
    • david rigby
    • November 20, 2024

45. Hardship Distribution Suspension Period

    By austin3515, June 4, 2007
    • 6 replies
    • 3.4k views
    • 
    • masteff
    • June 5, 2007

46. Outline of concerns regarding the qualification status of my 401k plan

    By Guest Miller426, September 26, 2009
    • 6 replies
    • 1.6k views
    • 
    • Bird
    • September 28, 2009

47. 401(k) converting to a 403(b)

    By Guest Eagle54, September 27, 2012
    • 6 replies
    • 1.7k views
    • 
    • ETA Consulting LLC
    • September 28, 2012

48. Pooled Employer Plans

    By Yolanda Vega, May 25, 2021
    • 6 replies
    • 1.2k views
    • 
    • Bird
    • June 10, 2021

49. Different Matching Contribution For Different Employees Question

    By metsfan026, April 5, 2025
    • 6 replies
    • 2k views
    • 
    • metsfan026
    • April 11, 2025

50. IRS Penalties

    By Guest Michael Anderson, July 27, 2001
    • 6 replies
    • 1.9k views
    • 
    • R. Butler
    • July 30, 2001