ch1719

Taking my employer to court sounds like a quick and easy way to get me terminated...

You wouldn't happen to have any documentation on this, would you? I feel like I would appear ignorant if I raised the issue without having anything to back it up. I'm certain the payroll department will just tell me I'm incorrect.

I agree with you. Unfortunately, I haven't been able to find any documentation on Safe Harbor that supports or refutes this.

Can a plan sponsor exclude Roth contributions when making the Safe Harbor matching contribution? Our company recently started offering a Roth 401k in addition to the traditional 401k. I've been investing into the Roth 401k since January of this year. I finally looked back over the contributions, and saw that there has been no company matching on my contributions (should be matching 100% on first 4% of salary). Contacted payroll about this, and they responded: "You contribute to a ROTH account. There is no employer match on the ROTH accounts, only 401k contributions". I looked over the plan documentation, and below is a summary of the safe harbor matching: · You are allowed to defer a portion of your compensation to the Plan. These amounts are referred to as deferrals and are held in an account for you. · You may make either Regular 401(k) deferrals (pre-tax) or Roth 401(k) deferrals (after-tax). · In order to maintain "safe harbor" status, your Employer will make a safe harbor matching contribution equal to 100% of your salary deferrals that do not exceed 4% of your compensation.