公司的401K计划要通过很多test,大公司容易通过这样的testing 小公司中枪的可能性比较大 401(k) test failures are no fun for anyone, it requires swift action for employers and plan sponsors. To correct plan failures, additional contributions may be required or corrective distributions would need to be made which means pre-tax savings returned requiring owners and key employees to refile their taxes… talk about a nightmare!
Rolled over 到哪里呢? Roth IRA limit 太低了吧
Roll over doesn’t have limitation
大多数人 rollover 到目前 active 的 401k
这个highly compensated employee test没有过关,所以全公司没有人可以make contribution,已经made的退回
叫corrective refund,没有10%罚款
意思就是你们的401K计划,只有高薪人士,包括business owner,获利
下面的低薪员工,参与率太低了
什么意思
公司的401K计划要通过很多test,大公司容易通过这样的testing
小公司中枪的可能性比较大
401(k) test failures are no fun for anyone, it requires swift action for employers and plan sponsors.
To correct plan failures, additional contributions may be required or corrective distributions would need to be made which means pre-tax savings returned requiring owners and key employees to refile their taxes… talk about a nightmare!
是这样被告知的,但是当时不理解,现在明白多了。那这种情况该怎么办呢?有什么最简单的方法把钱再放回去吗?
估计放不回去了,拿钱交收入税
放不回去了
估计得file 1040x,补税,罚款,付利息
退钱的同时应该有instruction