Emily

We have a 401k safe harbor plan that was referred to us however they have no plan document in place. 2 participants, they started making deferrals and 3% safe harbor into the plan in 2024 and in 2025 had a rollover contribution of $500k+. Has anyone ever dealt with having no plan document? In my research, I can only find corrections for correcting missed restatements and none for entirely not having a plan document.