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Posted

As we all know the DOL requires employers to deposit participant contributions as soon as they can reasonably be segregated from the employer's general assets. This rule applies to participant contributions only, such as deferrals, catch ups, after tax etc... I believe that matching contributions do not have to be made to the plan until the due date of the employer's tax return. That's fine when you are dealing with an annual match, but what about a match made on a per payroll basis? When does that have to be contributed to the plan (assume there is no plan provision addressing the contribuition due date)?

Posted

well, possibly as a guideline, 1.401(k)-3(c )(ii) says last day of immediately following plan quarter.

that is for safe harbor match, not sure if such requirement is written in stone for regular match

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