Message Boards Digest

July 5, 2022

Here are the most recently added topics on the BenefitsLink Message Boards:

Peter Gulia created a topic in 401(k) Plans

Is Leaving for an Employer's Non-U.S. Affiliate Considered a Severance from Employment?

"XYZ US and XYZ UK are commonly controlled business organizations. XYZ US maintains a 401(k) plan. XYZ UK is not a participating employer under that plan. Martha ends her employment with XYZ US on June 30, and becomes XYZ UK’s employee on July 1. If employment by a business organization commonly controlled with the 401(k) plan's sponsor otherwise would mean a change is not a severance-from-employment, is there anything that varies such a rule if the next employing organization is outside the USA?"

3 replies so far   |    Click Here to Add a Reply

DMcGovern created a topic in Form 5500

Schedule A: Included Commissions and Premiums for 2 Years

"Welfare plan. The first year for one of the benefit plans included commissions and premiums for 2 years on its Schedule A. The following year, no Schedule A information was provided (because it was already reported the prior year). There will be a Schedule A provided next year. For the year commissions and premiums are zero, do you file a Schedule A, or skip a year?"

No replies yet   |    Click Here to Add a Reply

JamesS created a topic in 401(k) Plans

Roth Conversion of Pre-Tax Contributions Inside a 401(k)?

"Anyone know of a company with a 401k plan with Roth conversion available for pre-tax contributions? I'm talking about something that's different from the somewhat common plan feature of aRoth conversion for AFTER-tax contributions to assist a so-called backdoor Roth. I know that something like what I'm asking can be done in IRA but then it can't be put it back inside an ERISA-protected 401(k)."

2 replies so far   |    Click Here to Add a Reply

KevinMc created a topic in 401(k) Plans

Deductible Year of Late Safe Harbor Contributions

"Small business has discovered that it did not contribute enough in the past 4 years. They are making the correction and will make a contribution to make whole the contributions for the previous years. Can they deduct everything this year (the year the contribution is made for correction), or do they have to go back and amend the previous 3 years returns to show the deduction for the year it should have been made?"

3 replies so far   |    Click Here to Add a Reply

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