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Posted

Our salesperson sold a 401k plan to company that should never have happened. This company should've never been sold a 401k plan. Participation is poor. The ADP/ACP failed. The TH 3% contribution is over $90k and they will need an accountant's report.

Is there any way we can terminate this plan as if it never happened?

Posted

Different (and important) issue: does the salesperson understand the problem(s)?

I'm a retirement actuary. Nothing about my comments is intended or should be construed as investment, tax, legal or accounting advice. Occasionally, but not all the time, it might be reasonable to interpret my comments as actuarial or consulting advice.

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