回复 1楼ilovezheha的帖子 你们公司的payroll system应该会扣到401K最高限额就自动停止。Payroll setting都是这样的。如果是两个不同公司在一年里都发工资,每个公司都依照401K annual contribution limit来操作。你自己要加一起算,控制工资扣款不要超了。 W-2 是按pay date算的。你们的pay date for 12/20-1/2应该是1/2之后了,所以算2022年的收入。 万一交多了,应该让401K company把钱退回来。找公司帮忙跟他们讲。 angelaxw 发表于 2021-12-09 02:54
this is the best answer! Sorry I can not type Zhong Wen at work. You will NOT over-contribute if you have only one 401K sponsor. the employer will stop further contribution once it reaches the max- 19500. the max for 2022 is higher. 20500. It's very easy to over-contribute if you have more than one 401K sponsor. My employer's response: You Should contact fidelity, to have return of excess contribution. Fidelity reply: You can only do this " return of excess contribution" once you all the W2 available. As long as you file this form prior to your tax return by 04/15/2022, you would be fine. You will face IRS penalty EVERY YEAR if this excess contribution stays in your account.
另外12/20-1/2的401 contribution 是不是算2022年的呢? 还是按比例分成2021 和2022?
不知道每个公司是否都处理一致,如果不小心存超了,应该如何处理啊?我熬夜算了一晚上,真是太熬神了,大家也都是这样做的吗? 请指点, 谢谢
你们公司的payroll system应该会扣到401K最高限额就自动停止。Payroll setting都是这样的。如果是两个不同公司在一年里都发工资,每个公司都依照401K annual contribution limit来操作。你自己要加一起算,控制工资扣款不要超了。 W-2 是按pay date算的。你们的pay date for 12/20-1/2应该是1/2之后了,所以算2022年的收入。 万一交多了,应该让401K company把钱退回来。找公司帮忙跟他们讲。
不算在19500之内
this is the best answer! Sorry I can not type Zhong Wen at work.
You will NOT over-contribute if you have only one 401K sponsor. the employer will stop further contribution once it reaches the max- 19500. the max for 2022 is higher. 20500.
It's very easy to over-contribute if you have more than one 401K sponsor. My employer's response: You Should contact fidelity, to have return of excess contribution.
Fidelity reply: You can only do this " return of excess contribution" once you all the W2 available. As long as you file this form prior to your tax return by 04/15/2022, you would be fine.
You will face IRS penalty EVERY YEAR if this excess contribution stays in your account.
对, 我们公司也是这个操作。 多余的扣税以后接着存
同一个公司会自动停。2个公司不会。第二个公司只要它那边还没19500,就会一直放直到19500.
放超了问题也不大,2022年初让第二个公司pay roll 部门return of excess contribution。
不过多数公司是会自动停的
谢谢
depends on your company