401(k) Plans

19,467 topics in this forum

1. Deemed Distribution Made in Error

   By Lauren0507, July 15
   • 5 replies
   • 352 views
   • 
   • HRagain
   • 7 hours ago

2. Part time ee to independent contractor & vesting/partial termination?

   By TPApril, Monday at 05:55 PM
   • 5 replies
   • 262 views
   • 
   • Artie M
   • 7 hours ago

3. 2023 IRS Audits

   By Mallory H, July 14
   • 3 replies
   • 335 views
   • 
   • Bill Presson
   • 12 hours ago

4. Top Heavy Balance with ER Contribution after the end of the plan year

   By justatester, Thursday at 05:21 PM
   • 2 replies
   • 193 views
   • 
   • John Feldt ERPA CPC QPA
   • Friday at 06:11 PM

5. SCP, VFCP, or None of the Above

   By Catch22PGM, July 9   

   • correction method
   • scp
   • (and 1 more)

     Tagged with:

     • correction method
     • scp
     • vfcp
   • 5 replies
   • 460 views
   • 
   • PensionPete
   • Thursday at 06:32 PM

6. Contributions after asset sale by ineligible employer

   By 30Rock, July 14
   • 8 replies
   • 333 views
   • 
   • 30Rock
   • Thursday at 02:54 PM

7. what to do without newsletters!?

   By casey72, July 14
   • 1 reply
   • 103 views
   • 
   • Lois Baker
   • July 15

8. Loan Payments on W-2 as Roth

   By Kattdogg12, July 8
   • 4 replies
   • 231 views
   • 
   • BG5150
   • July 11

9. How long to keep documents relating to 401(k)?

   By Miles Leech, July 8
   • 6 replies
   • 411 views
   • 
   • Peter Gulia
   • July 9

10. Deemed Distribution - Good test question for the pension geeks!

    By Brenda Wren, July 7
    • 10 replies
    • 515 views
    • 
    • Peter Gulia
    • July 9

11. Late Contribution Correction Question

    By khn, July 2
    • 4 replies
    • 402 views
    • 
    • Cherry Park Advisory
    • July 9

12. Roth Recharacterization timing for ADP failures

    By ComplianceGeek, July 8
    • 0 replies
    • 230 views
    • 
    • ComplianceGeek
    • July 8

13. SH 3% – Can We Exclude a W-2 Contractor Mid-Year?

    By kimso, July 6
    • 8 replies
    • 403 views
    • 
    • Paul I
    • July 8

14. minimal underpmt of 401(k), but participant already termed & distributed

    By TPApril, July 5
    • 7 replies
    • 488 views
    • 
    • Artie M
    • July 6

15. HCE requests full distribution but plan always fails ADP

    By Lou81, July 6
    • 4 replies
    • 438 views
    • 
    • BG5150
    • July 6

16. Correcting Excess Investment Advisor Fees Charged to Participant Accounts

    By Footnote12, July 1   

    • correction of plan defects
    • 1 reply
    • 360 views
    • 
    • Peter Gulia
    • July 2

17. Self Employed, 2 businesses, 415 limit

    By LMK TPA, June 29
    • 8 replies
    • 457 views
    • 
    • LMK TPA
    • July 1

18. Safe Harbor vs Solo 401k Conversion

    By bluehavana2, May 10, 2025
    • 10 replies
    • 2.3k views
    • 
    • rikkiphillipson
    • July 1

19. Different Types of Profit Sharing Plans?

    By mming, June 27
    • 1 reply
    • 319 views
    • 
    • Peter Gulia
    • June 27

20. Changing Eligibility... and then again

    By Basically, June 26
    • 2 replies
    • 557 views
    • 
    • HRagain
    • June 26

21. Participant Loans 101

    By austin3515, September 25, 2025
    • 6 replies
    • 2.8k views
    • 
    • ESOP Guy
    • June 26

22. Ambiguous Beneficiary Designation -- Time for Interpleader?

    By Interested Party, June 23
    • 9 replies
    • 571 views
    • 
    • mming
    • June 25

23. Updated Safe Harbor Notice for Comp exclusion required when Notice language not directly impacted?

    By Abby N, June 9
    • 4 replies
    • 383 views
    • 
    • Abby N
    • June 24

24. Active Employee Showing as Terminated — Eligibility File Correction Process

    By Itsamario, June 23   

    • eligibility payroll, recordkeeper, deferrals, data feed
    • 2 replies
    • 431 views
    • 
    • CuseFan
    • June 24

25. 401(k) Provisions added to Profit Sharing Plan effective 8/1/2026

    By Dougsbpc, June 22
    • 1 reply
    • 385 views
    • 
    • Paul I
    • June 23

26. Dual eligibility for different classes

    By 30Rock, June 16
    • 8 replies
    • 492 views
    • 
    • FORMER ESQ.
    • June 18

27. Timing of Hours for Vesting

    By effingeh, June 16
    • 1 reply
    • 531 views
    • 
    • John Feldt ERPA CPC QPA
    • June 16

28. Compensation Ratio Testing - Pre-entry Compensation

    By ERISAtoday, June 16
    • 0 replies
    • 253 views
    • 
    • ERISAtoday
    • June 16

29. SECURE 2.0 Model Amendments

    By youngbenefitslawyer, June 12
    • 1 reply
    • 324 views
    • 
    • Lauren0507
    • June 16

30. Using own forfeiture for own top heavy min

    By TPApril, May 26
    • 13 replies
    • 887 views
    • 
    • justanotheradmin
    • June 15

31. Participant Fee Disclosures

    By Pammie57, June 10
    • 4 replies
    • 729 views
    • 
    • JonC
    • June 12

32. Leased Employees- Partial Plan Termination

    By Coleboy1, June 12
    • 2 replies
    • 503 views
    • 
    • Paul I
    • June 12

33. Is there a missed deferral opportunity?

    By PensionPro, June 10
    • 5 replies
    • 479 views
    • 
    • BG5150
    • June 12

34. 401k Plan Referral with No Plan Document In Place

    By Emily, June 9
    • 7 replies
    • 851 views
    • 
    • Paul I
    • June 11

35. Failed ADP test discovered late

    By ConnieStorer, June 8
    • 8 replies
    • 605 views
    • 
    • ConnieStorer
    • June 11

36. Life Insurance Rollovers

    By 401k Conundrums, May 28
    • 9 replies
    • 819 views
    • 
    • FPGuy
    • June 10

37. Excess Contribution - Safe Match must be Funded

    By Vlad401k, June 5
    • 7 replies
    • 472 views
    • 
    • Artie M
    • June 9

38. switching from 5500-SF to full 5500

    By Pixie, February 4
    • 3 replies
    • 678 views
    • 
    • BG5150
    • June 9

39. Mid-Year Change for 401(k) Safe Harbor

    By Transplant, January 13
    • 5 replies
    • 2.2k views
    • 
    • justanotheradmin
    • June 9

40. Form 5500 - Schedule D Reporting

    By FishOn, May 26
    • 4 replies
    • 815 views
    • 
    • Cherry Park Advisory
    • June 9

41. 5500-EZ Penalty Relief Program--Question

    By marco100, February 15
    • 4 replies
    • 954 views
    • 
    • marco100
    • June 6

42. Participant loans - part of a vested balance or no?

    By blguest, June 2
    • 6 replies
    • 868 views
    • 
    • QDROphile
    • June 4

43. “To the person I am married to at the time of my death”

    By Peter Gulia, June 2
    • 9 replies
    • 660 views
    • 
    • Peter Gulia
    • June 4

44. Loan Repayment

    By Bruce1, June 2
    • 5 replies
    • 573 views
    • 
    • fmsinc
    • June 4

45. Safe Harbor Nonelective contribution required with 1.401(a)4-11(g) Amendment?

    By Dougsbpc, June 3
    • 1 reply
    • 305 views
    • 
    • Bri
    • June 3

46. partners forgot to deposit deferrals

    By AlbanyConsultant, June 1
    • 15 replies
    • 1.1k views
    • 
    • David D
    • June 2

47. ASC documents?

    By J Simmons, May 12
    • 1 reply
    • 229 views
    • 
    • J Simmons
    • June 2

48. How shifting(borrowing) works for the following ACP failure?

    By Sarah73, June 1
    • 2 replies
    • 308 views
    • 
    • Bri
    • June 2

49. Question for the TPA / DC compliance folks here

    By Itsamario, June 1
    • 0 replies
    • 486 views
    • 
    • Itsamario
    • June 1

50. Hardship Withdrawal for Primary Residence

    By EPCRSGuru, May 27
    • 4 replies
    • 753 views
    • 
    • Brenda Wren
    • May 29