"Offering employees the ability to pay for their share of health premiums on an after-tax basis is administratively burdensome, and it would be advantageous to eliminate it. Doing so of course raises several issues, the most immediate ones I can think of: [1] Can a benefits wrap plan that incudes section 125 limit the payment of medical and dental to pretax only so long as the plan otherwise offers participants a choice between taxable and nontaxable on some other benefit(s), such as disability premium payments? [2] Other than the possibility that some employees might benefit from an income tax deduction on their premium payments if paid on an after-tax basis, are there any other potential benefits to employees by making after-tax benefits available? [3] Can this be eliminated mid-year or is it better to have it take effect the following year? [4] What other issues might be lurking for the unwary?"

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"I have a 37 year old homebuyer who wants to take a distribution from her ROTH 401k -- buying her first home. Is there a dollar limit (besides 100% of her account) that she can take? Is this exempt from the 10% penalty if it's her first home? What if it's her second home?"

"401k plan making a corrective distribution in 2024 based on error in past plan years. Default beneficiary provisions are different in current plan document than the plan document in place at the time of the error. Default beneficiaries (where no beneficiary designation is made) in previous document: spouse, children, parents estate. Current plan document: spouse, estate. Which provision controls?"

"A recordkeeper recently presented to my client (a plan's sponsor, administrator, and trustee) the recordkeeper's draft of a 'SECURE 1.0/CARES Interim Amendment'. Some choices are filled-in with the recordkeeper's presumptions. Other choices are deliberately uncompleted, but specify a default if no box is marked. While recognizing that this amendment need not be done until December 31, 2025, the recordkeeper suggests completing and signing it now. Here's my question: Is there any disadvantage in waiting until the last few months of 2025 to do this amendment? Is there any advantage (beyond removing the risk of forgetting) in doing it now? What opportunities are gained or lost by waiting or acting now?"

"What is a reasonable to await processing of a rollover request (ACH) by an insurance company, in this case Nationwide? Paperwork, all in order, submitted to Nationwide 3+ weeks ago and nothing but crickets. My former employer says Nationwide is having issues from a January system conversion and rollovers are taking weeks. I've never been on this side of such an issue. Is waiting weeks normal? What if the market had tanked?"