Message Boards Digest

February 21, 2023

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

nsfpsp created a topic in Form 5500

Filed 5500-EZ by Mistake Last Year

"C corp has a Profit Sharing Plan. The owner is (and has been) the only participant. I've previously filed 5500SF, but I mistakenly filed Form 5500EZ last year, and didn't realize it until filing 5500SF this year. Should I file an amended 5500SF for the year I filed the 5500EZ?"

3 replies so far   |    Click Here to Add a Reply

Santo Gold created a topic in 401(k) Plans

Non-Uniform Match Contribution

"Is it permissible for match contributions to be structured in a way so that different groups receive different match? This is a non-profit and there will not be any HCEs. The organization would like to give a match 100% match up to 6% of pay for Group A. For Group B, in year 1 they get 0%; year 2 50% match, and year 3 100% match. Is that acceptable? Thank you"

2 replies so far   |    Click Here to Add a Reply

Nicole created a topic in 401(k) Plans

Plan Admin Checked Wrong Selection on QDRO Form

"The plan administrator checked 'establish an account in my name' as opposed to what she stated in MULTIPLE emails to me which was that she was asking ADP to expedite a cash out or me. So, I thought I was getting a check but the money went into another 401K plan and actually lost money because I thought I was getting a check AND nobody told me the money was in an account. I called daily/weekly asking for updates. So now what? I lost money because of this bungle. Also, Plan Admin is telling me she is not 'allowed' to talk to me on the phone because I'm not the client (my ex husband is the employee). She says she can email with me but not talk. Is that accurate? That seems incorrect."

3 replies so far   |    Click Here to Add a Reply

ratherbereading created a topic in 401(k) Plans

RMD Error

"An owner took an RMD from the 401k plan, and then another one for the same amount was processed a couple of months later in error. One August 2022 and one October 2022. A substantial amount. Not the owner's fault. Can one of them be returned to the plan from his account?"

8 replies so far   |    Click Here to Add a Reply

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The Benefit Advantage
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