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For what it is worth when I am having this problem with the client I find the following helps. Use the word eligible/eligiblity and so forth when talking to them about the eligiblity requirements Use the word share/don't share when talking about the allocation conditions. Part of the problem is we often times say a person is elibible for an allocation. The word eligible gets used but in many plans it also has a very specific meaning in the context of the eligibility requirement. So for exampale I will tell a client it takes 12 months and 1,000 hours to be come eligible to be a participant in the plan. Then one has to work 1,000 hours to share in the employer contribution. I have found not repeating the words "eligible for" (or even "particpate in") the employer contribution, but use instead the words "share in" helps often times.

Do they report her income on a 1099 or a W-2?

To repeat myself, this assumes that the money in your 401(k) account is invested in cash and not otherwise invested. If the money was invested, then the money would experience growth and dividends/interest. So if the stock market returned, say, 10% but your loan was at 3.25%, you just lost out on 6.75% of growth. This lost earnings potential is the "opportunity cost" of taking the loan from your 401(k) account. If your 401(k) account is being held in cash, then you seriously need spend time on a site like MotleyFool and learn about investing.

I think you'll be very impressed with the way the message boards now work on your smartphone's web browser due to the recent software upgrade. The software running the message boards will detect that you're using a smartphone to view the messages, so it will reformat and display the messages in a very user-friendly way for your small smartphone screen. You can log in via smartphone the same way you'd log in with your office PC (with your email address or username, and your password). Then the New Content button will work on your smartphone just as if you were sitting down at your office PC and you clicked on View New Content link! In effect your smartphone knows the date and time you last visited the message boards on your office PC. The URL of the message boards is unchanged. Just enter it manually into your smartphone's web browser: http://benefitslink.com/boards Tip: bookmark that URL on your smartphone, once it opens the page. Or, once you've clicked the New Content button, you could bookmark the resulting page, which means you'll have one-click smartphone access to newly added content. Kewl.