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July 11, 2025

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Bruce1 created a topic in 401(k) Plans

Opt-Out Method of Notification

"Working with a start-up 401(k) with the new auto-enrollment feature. Client asked if an email or a text message is an acceptable form of an opt-out. Would this type of election hold up in a DOL audit?"

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Tom created a topic in 401(k) Plans

Eligibility Question

"An employer has the standard eligibility requirement of 1 Year of Service (12-month wait with 1000 hours) and age 21. And there are semi-annual entry dates. An employee is hired July 20, 2024 and completes a Year of Service on July 20, 2025 but they do not turn 21 until Sept 15, 2025. Does this person entry the plan on January 1, 2026 or September 15, 2025. SPD language is below. It seems to imply January 1, 2026 but we want to be conservative if there is any ambiguity."

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