GMK

As promised, I didn't mention it in 2017, … but lo and behold, here it is again, my favorite sleepy, dusty, delta day. Hope you are all well. It's still fun to read your comments about the things I used to work on. My replacement at work gets updated here, too, so keep up the good work.

Thank you to everyone for the useful and informative information you have provided on these boards. I have learned much more than I expected to when I signed up. And thanks to Dave and Lois. Today is my last day as an employee (and plan administrator). I'll be looking in from time to time, because there are some interesting subjects to be discussed and questioned in the coming years, and because so many of the posters on this board provide informed, accurate answers. Thanks again. GMK ... out.

As expected, I think. As I finish out my last day as an employee and plan administrator, I think it would be cool if elected officials had fiduciary responsibilities ... like that would ever happen. (Probably should have put that comment in humor.)

Maybe also check the SPD. (I don't know if this information is usually in a DB SPD.)

If the 25% is paid with after tax money, you do not add it back into the W-2 taxable amount, because it wasn't subtracted from total comp in the first place. Take total comp and subtract 401(k). Does this leave the W-2 taxable amount?

Without a cafeteria plan, the employee pays the premium (25% of the total premium) with after tax money, right? That means that the payment is part of the taxable total comp on the W2, no? In other words, if you had a 125 plan, you would subtract the 25% amount from taxable comp, but there's no 125, so you haven't subtracted it ... or have you? Maybe I don't understand the situation ...

Sometimes there are options to get at the funds if you have achieved a superior age (which means if you're old, like me). Following 401king's advice, that would be something to ask about when you contact your HR people.

Thanks, Dave.

... delete the notifications that are listed in the pop-up window when I click on the Bell symbol at the top of the page.

If we're voting, I would prefer an inline notice and not an e-mail.

I was thinking one could mine for the number of plans over $50M and subtract that from the total number of plans, which is/was 638k according to this: http://www.americanbenefitscouncil.org/pub/e613e1b6-f57b-1368-c1fb-966598903769 Not perfectly accurate, but we're estimating.

Thanks, Austin. That makes sense.

Other threads on BenefitsLink have me befuddled about the meaning of the word "accrue" For my personal edification, would you please 'splain what "accrued" means in your sentence? Thanks.

While the plan language that t & c quotes seems clear and makes sense to me, I have come to realize (after the discussion in another thread a couple days ago) that I never understood the true meaning of the word "accrue" and the proper ways in which can be used. To avoid mistakes, I have banned "accrue" from my vocabulary indefinitely.

Interesting question. In my brief search, Mr. Google finds lots of information about total assets in 401(k)'s and lots of per participant information, but not by plan. Could this be something the 5500 people know or can pull out of their data base easily? And if anyone is starting a count, we're one.

Find a lawyer who has experience with QDRO's. Since you are inexperienced in QDRO's, that's probably your only defense against something sneaky. Keep in mind that if you and your ex agree to the wording of the DRO, the judge will most likely sign it, regardless of what was agreed to in the divorce decree. You, however, can get your lawyer to object to terms that go beyond what was agreed to in the divorce decree. QDRO's can become messy business, and you have every right to defend against your ex's lawyer's efforts to overstate what your ex should get.

Not that it matters, and I could be wrong, but that's not how I read it. I see it as saying that QMACs and QNECs are among the ways to satisfy the contribution requirement, not that safe harbor contributions are QNECs or QMACs ... but I could easily be corrected.

You can exclude persons who are not authorized to work in the USA. This would cover cases where the illegality of their presence is learned later. In any case, I suggest that the employer sign up for e-verify (it's free) and check new hires when they're hired, so the employer knows right away that they are authorized.

This is a more realistic estimate than your spouse proposed, even though it may still overstate the account as of June 2014. The starting (November 2009) balances were probably in different proportions to each other than in the 2013 statement. For example, the EuroPacific fund grew much less than the others, so it probably started with a bigger percentage of the total $35k than 26.52%. That would reduce the November 2009 amounts in the other funds, which in turn would bring the June 2014 balance estimate down ... maybe not a lot, but some. In any case, if the employer cannot provide copies of the account statements (and the Plan Sponsor is supposed to hang on to them or be able to get them), then this would be a good counter offer. Good luck.

From the editorial desk: Wouldn't it be great if the EEOC would issue some solid guidelines, instead of pitting insurers and employers against each other?

I concur that this is a maddening situation. Just keep in mind, accommodation that is not reasonable is not required, the purpose of accommodation is to facilitate employees' ability to do their primary job functions (accommodation is not required to help the employee not work), and, as hr for me said, you will be setting a policy for future cases.

... be able to delete items from the list that is displayed when I click the "Bell" symbol, after I have finished checking them out. (Different from the issue to which Mr. Poje responded.)

Thanks, Tom. I have been in that box and changed those settings. What I'm talking about is the list of notifications that is displayed when you click on the Bell symbol at the top of the page, to the left of the envelope symbol, to the left of my "silhouette," to the left of my ID. I'd like to be able to delete items from the list after I check them out.

You can probably look up the performance of the specific funds in which you were invested and do a calculation from that. Depending on how often you changed investments, it could be a large amount of calculating, and we don't know if it gets a lower total gain until it's calculated. Just looking at the overall performance of your primary investments since 2009 might give you a good estimate. If memory serves, stocks have gone up fairly steadily since the end of 2009, except they were generally flat in 2011. Good luck.

... find a way to delete Notifications.