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asap 18-13 talked about this...perhaps at too much length. My takeaway was "No Penalty for Failure to File."

First, I agree 100% with Lou S. I would say, however, when identifying a problem, you may want to look at ways to make it 'not a problem'. Deductibility of contributions are based largely on the timing of the deposits to the trust. So, if you made $6000 in contributions in 2014 for the 2013 plan year, then you could look to have that $6000 deposit considered a 2014 contribution since it was 'actually deposited' in 2014. Just a thought to apply when ascertaining whether or not a problem really exists. Good Luck!