Correction of Plan Defects

1,789 topics in this forum

1. Failure to start deferral 4 years ago

   By pam@bbm, December 15, 2015
   • 7 replies
   • 1.3k views
   • 
   • QDROphile
   • December 17, 2015

2. Notice for Failure to Start Elective Deferrals

   By Tinman, August 31, 2015
   • 4 replies
   • 8.1k views
   • 
   • Peter Gulia
   • December 11, 2015

3. Determination Letter Requirement When Correcting with Retroactive Amendment

   By 401 Chaos, December 10, 2015
   • 5 replies
   • 1.2k views
   • 
   • 401 Chaos
   • December 11, 2015

4. Wrong compensation used to calculate deferral

   By pam@bbm, December 10, 2015
   • 2 replies
   • 1.1k views
   • 
   • pam@bbm
   • December 10, 2015

5. Incorrect vesting applied

   By Belgarath, August 11, 2004
   • 1 reply
   • 1.5k views
   • 
   • 401 Chaos
   • December 8, 2015

6. Safe Harbor starts October 1, fails to offer deferrals

   By John Feldt ERPA CPC QPA, December 2, 2015   

   • safe harbor
   • missed deferral
   • (and 2 more)

     Tagged with:

     • safe harbor
     • missed deferral
     • 2015-28
     • QNEC
   • 1 reply
   • 1.2k views
   • 
   • ETA Consulting LLC
   • December 2, 2015

7. Rev Proc 2015-28 and Terminated Employees

   By Gruegen, November 9, 2015
   • 0 replies
   • 1.3k views
   • 
   • Gruegen
   • November 9, 2015

8. Hardship distribution didn't include after tax dollars

   By TheRestatement3dOfTed, November 4, 2015   

   • 401(k)
   • EPCRS
   • (and 2 more)

     Tagged with:

     • 401(k)
     • EPCRS
     • hardship withdrawal
     • after-tax
   • 3 replies
   • 1.3k views
   • 
   • ESOP Guy
   • November 4, 2015

9. Plan Issues Loan to Participant Who Terminated Employment

   By rocknrolls2, October 29, 2015
   • 2 replies
   • 808 views
   • 
   • QDROphile
   • October 29, 2015

10. Plan Fails to Implement Suspension Following Hardship Withdrawal

    By rocknrolls2, October 29, 2015
    • 0 replies
    • 929 views
    • 
    • rocknrolls2
    • October 29, 2015

11. Returning deferrals--how to calc earnings?

    By BG5150, October 21, 2015
    • 4 replies
    • 1k views
    • 
    • BG5150
    • October 28, 2015

12. Prohibited transactions - excise tax Form 5330

    By taxllm, October 26, 2015
    • 0 replies
    • 1.2k views
    • 
    • taxllm
    • October 26, 2015

13. Missed Deferral Opportunity and 402g limit and General Testing

    By DLMRetire, October 23, 2015
    • 0 replies
    • 1.1k views
    • 
    • DLMRetire
    • October 23, 2015

14. VCP fee paid from plan assets

    By JJRetirement, October 22, 2015   

    • Exclusive benefit rule
    • 2 replies
    • 2.6k views
    • 
    • JJRetirement
    • October 22, 2015

15. New small S.H. 401(k) effective date 6/1/15, no deferrals until too late?

    By Lori H, October 21, 2015
    • 5 replies
    • 851 views
    • 
    • Lori H
    • October 22, 2015

16. 401k overpayment to employee that left

    By polomaan, October 7, 2015
    • 3 replies
    • 4.7k views
    • 
    • ESOP Guy
    • October 7, 2015

17. Employer Matching Contribution Exceeded Plan Terms

    By waid10, October 6, 2015
    • 4 replies
    • 991 views
    • 
    • hr for me
    • October 7, 2015

18. Loan exceeds the 50,000 Limit Lookback Rule

    By cpc0506, August 18, 2015
    • 3 replies
    • 1.3k views
    • 
    • ETA Consulting LLC
    • September 24, 2015

19. Discretionary match options

    By Molly the cat, September 17, 2015
    • 0 replies
    • 809 views
    • 
    • Molly the cat
    • September 17, 2015

20. Timing of contributions--what if late?

    By BG5150, September 15, 2015
    • 3 replies
    • 999 views
    • 
    • QDROphile
    • September 15, 2015

21. Determination of HCE vs. NHCE Category

    By 401 Chaos, September 11, 2015
    • 4 replies
    • 1.6k views
    • 
    • Tom Poje
    • September 14, 2015

22. Over-contribution of Match--correction

    By BG5150, September 9, 2015
    • 6 replies
    • 1.6k views
    • 
    • QDROphile
    • September 10, 2015

23. Late Deposit Question

    By Archimage, August 31, 2015
    • 5 replies
    • 1.6k views
    • 
    • MoJo
    • September 3, 2015

24. ACP Correction after termination

    By jpdrews, September 1, 2015
    • 0 replies
    • 1.1k views
    • 
    • jpdrews
    • September 1, 2015

25. Term. participants not given the opportunity to elect benefit payment. SCP?

    By kwalified, August 26, 2015
    • 5 replies
    • 958 views
    • 
    • kwalified
    • August 27, 2015

26. Loan default and new loan

    By cpc0506, August 18, 2015
    • 5 replies
    • 1.4k views
    • 
    • BG5150
    • August 18, 2015

27. 5330 for excess contributions

    By AKconsult, August 18, 2015
    • 1 reply
    • 939 views
    • 
    • Lou S.
    • August 18, 2015

28. Roth deferrals made but not permitted in plan

    By Trekker, August 18, 2015
    • 4 replies
    • 1.3k views
    • 
    • jpod
    • August 18, 2015

29. Terminating problem 401(k) plan and starting a new 401(k)

    By Trekker, August 18, 2015
    • 4 replies
    • 1.2k views
    • 
    • Trekker
    • August 18, 2015

30. VCP Fee: Failure to Distribute RMD for 9 years

    By MarZDoates, August 14, 2015
    • 2 replies
    • 1.1k views
    • 
    • Peter Gulia
    • August 17, 2015

31. Loan Failure VCP and Schedule 5

    By Briandfox, August 12, 2015
    • 0 replies
    • 1k views
    • 
    • Briandfox
    • August 12, 2015

32. Effective Date of Rev. Procedure 2015-28

    By Floridaattorney, August 6, 2015
    • 1 reply
    • 1.1k views
    • 
    • Mike Preston
    • August 10, 2015

33. Look back period for determining disqualified person?

    By AmyR, September 17, 2013   

    • disqualified person
    • 9 replies
    • 3.5k views
    • 
    • jpod
    • August 7, 2015

34. Non-cash bonus not included in Comp for Salary Deferral

    By beartd, July 30, 2015
    • 0 replies
    • 937 views
    • 
    • beartd
    • July 30, 2015

35. Minimal benefits in 403(b)

    By Belgarath, July 23, 2015
    • 2 replies
    • 854 views
    • 
    • Belgarath
    • July 23, 2015

36. One-to-One QNEC allocated "to the account balances" of NHCEs

    By John Feldt ERPA CPC QPA, July 20, 2015   

    • to the account balance
    • one-to-one
    • (and 1 more)

      Tagged with:

      • to the account balance
      • one-to-one
      • no balance
    • 3 replies
    • 1.5k views
    • 
    • ETA Consulting LLC
    • July 21, 2015

37. Under Examination for VCP Eligibility?

    By shERPA, June 30, 2015   

    • Sole Prop 1040 being audited
    • 6 replies
    • 2.9k views
    • 
    • Briandfox
    • July 17, 2015

38. VCP For Loan Failure - New Fee Rate

    By austin3515, July 7, 2015
    • 2 replies
    • 1.3k views
    • 
    • Belgarath
    • July 7, 2015

39. process distributions during VCP?

    By mariemonroe, June 30, 2015
    • 3 replies
    • 1.2k views
    • 
    • MoJo
    • July 1, 2015

40. non amender question

    By Scuba 401, June 24, 2015
    • 7 replies
    • 1.4k views
    • 
    • Scuba 401
    • June 30, 2015

41. distributions made in error

    By DMcGovern, September 15, 2014
    • 4 replies
    • 3.7k views
    • 
    • 401 Chaos
    • June 26, 2015

42. 11g Corrective Amendment and Eligibility

    By Dougsbpc, June 24, 2015
    • 0 replies
    • 1.6k views
    • 
    • Dougsbpc
    • June 24, 2015

43. Prospect with a massive coverage failure

    By John Feldt ERPA CPC QPA, June 22, 2015   

    • coverage
    • 410(b)
    • (and 3 more)

      Tagged with:

      • coverage
      • 410(b)
      • aggregation
      • safe harbor
      • non-safe harbor
    • 8 replies
    • 2k views
    • 
    • Flyboyjohn
    • June 22, 2015

44. Basic Plan Document

    By nancy, June 17, 2015
    • 5 replies
    • 1.2k views
    • 
    • nancy
    • June 18, 2015

45. Amending Eligibility Retroactively in 0% MPP

    By PensionPro, June 17, 2015
    • 1 reply
    • 801 views
    • 
    • Doghouse
    • June 17, 2015

46. No interest participant loans - PT?

    By SavingsRUS, June 17, 2015
    • 0 replies
    • 758 views
    • 
    • SavingsRUS
    • June 17, 2015

47. VCP submission re: ACP failure

    By Earl, June 12, 2015
    • 0 replies
    • 1.1k views
    • 
    • Earl
    • June 12, 2015

48. Ineligible employee and governmental pick up

    By JJRetirement, June 12, 2015   

    • Pick-up Contributions
    • governmental plan
    • (and 2 more)

      Tagged with:

      • Pick-up Contributions
      • governmental plan
      • EPCRS
      • defined benefit
    • 0 replies
    • 1.4k views
    • 
    • JJRetirement
    • June 12, 2015

49. EPCRS & Loan problem

    By Earl, May 28, 2015
    • 1 reply
    • 957 views
    • 
    • Earl
    • June 5, 2015

50. VCP for terminated Cash Balance no FDL

    By pcbenefits007, May 14, 2015
    • 0 replies
    • 994 views
    • 
    • pcbenefits007
    • May 14, 2015