Itsamario

For those of you working with 401(k), 403(b), profit sharing, safe harbor, or cash balance/DC combo plans, where do your current systems still make things harder than they need to be? A few areas I’ve been wondering about: Census cleanup and eligibility issues ADP/ACP or coverage testing edge cases SECURE 2.0 implementation Roth catch-up readiness LTPT tracking Payroll / recordkeeper data issues Contribution timing review Plan document provisions not lining up cleanly with system logic 5500 / plan-year workflow bottlenecks Client communication around exceptions and corrections I’m not trying to bash any vendors or software. I’m genuinely trying to understand where experienced administrators still have to rely on judgment, spreadsheets, workarounds, or just knowing how things really work because the system does not quite handle the real-world mess. Where do you think better software would actually save meaningful time or reduce risk?

I’ve been reading through the final SECURE 2.0 Roth catch-up regs and trying to picture what this actually looks like in real life starting in 2026. On paper it’s simple: prior-year wages over the threshold → catch-ups must be Roth. In practice, it feels like this touches a lot of systems that don’t talk cleanly: payroll → prior-year wage history → contribution coding → plan admin → audits → corrections. Curious how people think this will go. Where do we expect the biggest problems? • payroll pulling the wrong wage data • employers mis-certifying eligibility • misclassified catch-ups getting deposited • cleanup/corrections later • audit documentation • something else? And realistically — who ends up dealing with the mess when it happens?