"One of the plans is scheduled for termination due to the stock sale, but it has come to our attention that the acquiring company does not offer a 401(k) plan. Typically, under such circumstances, the plan should terminate prior to the sale date, with all contributions ceasing accordingly. However, in this case, while the stock sale date is set for September 30, 2025, employee contributions are expected to continue until December 29, 2025. Could you please confirm whether these post-sale contributions can be accepted? Additionally, if there are any specific compliance considerations or steps we need to take in this scenario."

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"I was looking at the rules for when you can switch from the full 5500 to a 5500-SF. It seems like, under the new rules, if the number of account balances is under 100 as of the first day of the plan year, the client can file a 5500-SF for that plan year. Any input would be greatly appreciated."

"We work with a large financial institution that has sent us a sample correspondence that they plan to send to their 401(k) clients. It states that if a plan does not permit Roth deferrals, participants whose FICA wages were $150k of less in the prior year can continue to make catch-up contributions on a pre-tax basis, but those whose wages exceed this limit are not permitted to make any catch-ups. The research we have done on this topic seems to suggest that though it's possible to have a plan operate in this manner, it's not recommended, as such an arrangement can create discrimination issues. If this is true, we are surprised that an investment firm, which has a popular recordkeeping platform, would push this method without at least caveating the downside. Do we have a correct understanding of the new rules in this regard?"

"A plan of mine was picked by PBGC for audit and all information was provided 6 months ago. I have not heard from them at all since then. sometimes no news is good news but here I am getting a bit worried that I have not heard anything. Between all governmental firings as well as shutdown, does anyone have an experience similar to mine?"