Message Boards Digest

April 28, 2023

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

401king created a topic in 401(k) Plans

SEP IRA Contribution, Rollover to 401(k), Backdoor Roth in the Same Year?

"Cross-posting from the IRA forums. A client has a 401k account and historically has funded a Backdoor Roth IRA (no other IRA balances). This year, he works for another company providing him a SEP IRA contribution. May this individual immediately rollover his SEP IRA to his 401k and still be eligible for Backdoor Roth IRAs for 2023 & 2024? He would have no IRA balances at the end/beginning of either year, but I do not know if the SEP contribution eliminates the Backdoor Roth option. "

1 reply so far   |    Click Here to Add a Reply

AnnCK created a topic in 401(k) Plans

Change Name on Account of Deceased Employee?

"We have a small balance forward 401k plan. One of the employees died at age 49 and his wife is the beneficiary. She is also 49. She wants to leave the money in the plan. Should we/must we change the name on the account to her name, rather than using her deceased husband's name? Any other issues we should be aware of?"

4 replies so far   |    Click Here to Add a Reply

TPApril created a topic in Correction of Plan Defects

Missed Deferral Correction for Plan W/Auto-Enrollment

"Making sure I grasp the ability to give 0% missed deferral opportunity for a plan with auto enrollment. Employee rehired in 2022, and therefore eligible per plan doc to reenter plan on rehire date. EE deferrals not started until after completing new hire requirement of 3 months worked, in early 2023. I believe then that because deferrals were started w/in 9.5 months of failure, due to the auto-enrollment feature, no MDO required (ie 0% MDO)."

No replies yet   |    Click Here to Add a Reply

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