Press Release

CalcAir Announces Availability of Cycle 4 Pre-Approved 401(k) Plan Documents

Issued by CalcAir

Nov. 11, 2026

CalcAir received favorable opinion letters from the IRS regarding the Cycle 4 documents.

Hunt Valley, MD — CalcAir Employee Benefit Systems Inc. today announced that its cycle 4 pre-approved non-standardized 401(k) plan documents received favorable IRS opinion letters and are now available to CalcAir clients. These include:

• Cycle 4 401(k) Adoption Agreement
• Base Document
• SECURE Amendment for Cycle 4
• Updated Summary Plan Description
• Updated Participant Notices and Forms

“Making the cycle 4 documents available to our clients as soon as possible was a priority,” said Kim Roberts, Director of Customer Experience. “CalcAir is doing everything it can to help clients streamline the amendment and restatement process.”

As set forth in IRS Announcement 2026-15, employers must restate defined contribution plans to cycle 4 pre-approved plan documents by September 30, 2028.

About CalcAir Employee Benefit Systems Inc.

For over 50 years, CalcAir Employee Benefit Systems Inc. has been a trusted partner to benefit professionals across the United States. Based in Hunt Valley, Maryland, CalcAir delivers comprehensive software and services designed to simplify employee benefits administration. Its solutions provide accuracy, efficiency, and confidence to consultants, actuaries, and administrators alike.

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