Message Boards Digest

May 1, 2023

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

MD-Benefits Guy created a topic in Cafeteria Plans

Late Submission of DCFSA Claim to TPA

"Our plan document states a 3/31 cutoff for claims submission on DCFSA. We have an employee that has submitted $5000 in 2022 claims after the deadline. If we authorize the TPA to process the claims, how much liability are we creating for the organization? I hate creating policy exceptions, but also don't like seeing an employee lost out of $5000."

6 replies so far   |    Click Here to Add a Reply

legort69 created a topic in 401(k) Plans

404 Deduction: Eligible Compensation with Per-Payroll Match and a Profit Share with Last Day Rule

"Plan funds a fixed match each pay period and also has last-day rule for profit share. A participant terminates before year end. [1] Are Participant wages included in eligible 404 compensation with respect to the deduction limit test? And would it matter if they actually fund the profit share? [2] If a plan does not have a last-day rule on the match in the AA, and does not fund a discretionary match, but they have a last-day rule only on profit share, would this participant compensation be in the test?"

3 replies so far   |    Click Here to Add a Reply

James56 created a topic in 401(k) Plans

Finally Received Check in Payment of Balance from Terminated 401(k) Plan -- But Now Received State Unclaimed Funds Notice As Well

"Due to personal issues I have had funds in an old 401k account that needed to be rolled over when the 401k no longer existed which was over 5 years ago. I have been in contact with the MassMutual and Empower on the funds over this time and nothing was ever stated about this being reported as unclaimed to the state of AZ. In the last few months I have finally gotten the check issued correctly as they kept sending it with wrong pay to name. I am working to get this in to my current employer's 401k, but just received a form in the mail to fill out for unclaimed property (the 401k account) Any help would be appreciated on what to do next, the check is still good and not stale as received in the last few months, finished finding some other paperwork needed and completing the paperwork for my company's 401k for the rollover. I just am not sure what will happen if they try to process the check, if it takes to long will the state take it and if I fill out the form it looks like they would pay me directly instead of being able to roll it over."

No replies yet   |    Click Here to Add a Reply

Lou81 created a topic in 401(k) Plans

Eligiblity of a Rehire

"Plan's eligibility is 2 months of service, with monthly entry its an FTW Doc and reads, Completion of 2 consecutive months of continuous service (not to exceed 12; hours of service failsafe apply) Rolling period. I have an employee hired 10/7/2020, terminated 11/7/2020. Rehired 10/27/2022. Trying to determine if he is eligible. Since he worked in both Oct and Nov in 2020 does this count as his 2 months of service?"

6 replies so far   |    Click Here to Add a Reply

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