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I find this a little disingenuous as an answer. The may not actually have account statements, but employer's are required to keep annual reports at least 7 years (and likely longer). Those annual reports will have all your transaction information summarized.

Look at me. Helping instead of mooching for a change.

I'm about to lose it. This whole discussion is nothing more than an attempt to implement something which is not very thinly veiled discrimination against a class of human beings least able to protect themselves. I wouldn't entertain a discussion of how to illegally discriminate against those over 40 (or under age 30 for that matter) and I applaud the courts when they bitch-slap political parties for implementing policies which attempt to disenfranchise and/or marginalize a class of voters. In the vast majority of cases where a business is found guilty of hiring illegal workers most of those illegal workers will have come from a single country. And if that isn't prohibited discrimination based on national origin I'm a monkey's uncle. Now don't go nibbling around this issue by trying to say that one can pass muster if the illegal population is evenly split between two different countries. One can't. Because discrimination against those who are from a country (any country) other than our own is still illegal.

Do you not know how to do this? If so, I found out how. For you or anyone else: Load the stream you want to delete. Next to the stream's name there are three icons: edit, delete and make default. Just click the little trash can.

I think Dave's been tinkering, because I think the system was set to display a thread once and only once at some point. I don't remember when it changed, but maybe Dave can set it back? EDIT: It wasn't Dave, it was me! Bill, see what your "Show me" setting is. If it is "Content items, comments, and reviews" change it to "Content items only".

I'm with you on that one, absent anything special in the plan document. 415 should include 401(k) and 125 deferrals.

Hjonestly, I would have them pay the amortizartion schedule balance as of the date of term :) But that's me being a cowboy. Anyway, if anyone has the "clutch" interpretation of the regs that puts this to bed that would be SWEET!!

I suppose the technical answer is the loan value as of the earlier of 1) the earliest date a distribution could be made, or 2) the date of default. If distributions are available on the date of termination of employment, I would definitely not accrue through the grace period. If distributions can't be made 'til...the end of the year, then you're looking at the default date, which is possibly the date of termination, if the loan policy says loans must be repaid immediately upon termination of employment, or the end of the grace period. But, the practical answer is - most recordkeepers aren't going to credit (charge?) interest unless a payment is made, so it's going to be whatever the value was as of the last payment. And that is close enough for government work in my book.

You can't do that, so don't do that.

Yes, that! The S&P has outperformed most funds over the last several years. I'm not saying it's better but I would definitely not accept that as an earnings basis.

the default was changed to something like automatically send me notifications to everything I look at or something like that. took me awhile to find it, but if you click on your name (upper right corner), select account settings on the right side there is Other settings notifications (and you can turn the thing off)

I'm perplexed by the over-emphasis on the S&P500. If you are unable to get accurate records and are forced to estimate the earnings, pick one or more indexes that reflect the actual (types of) investments in your account.

I feel sorry for you having Paychex as your administrative firm. Having reviewed and been the takeover contact on many Plans "serviced" by them over the years, I have yet to run across a Plan without issues caused by their "services". It could be that the only Plans that Paychex had problems with were the ones I saw, but I doubt it.