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In five days I will be eligible to withdraw money from my 401(k) without incurring an early distribution penalty. Where does the time go? Be on the lookout for a 36-year-old red-headed man who started BenefitsLink. Individual was last seen 23 years ago. May have dyed hair and beard gray since last sighting.

I hope, by your comment, you mean that simply by chance the only deferrals in the plan happen to be Roth according to the IRS Q and A https://www.irs.gov/retirement-plans/retirement-plans-faqs-on-designated-roth-accounts#13 Can a plan offer only designated Roth contributions? No, in order to provide for designated Roth contributions, a plan must also offer traditional, pre-tax elective contributions.

“A person who says it cannot be done should not interrupt the man doing it.” Chinese Proverb

it sounds like the vendor's issue is that they were not given enough time to amend the notice to state that the match would be calculated on a pay period basis, rather than annually. However, in looking at the various Internal Revenue Notices that address the notice requirement, I don't see a requirement for the safe harbor notice to describe the timing of the contribution (pay period or annual), only the contribution formula. At any rate, I am in agreement with everyone here that this vendor is being unreasonable. If the vendor could not change the notice timely, and the client retyped it for the change, then the vendor should have subsequently amended the plan by 12/31 to make the change the client requested. They had plenty of time to do that. I would consider the handwritten amendment as valid. Sometimes there is a need to tell a vendor "I am not asking your opinion. I am TELLING you that this is what you will do ...". :)