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[PDF File]How You Beneﬁt from a Safe Harbor 401(k) Plan
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safe harbor contributions. How You Beneﬁt from a Safe Harbor 401(k) Plan Safe Harbor plan designs eliminate the need for annual ADP (Actual Deferral Percentage) and ACP (Actual Contribution Percentage) tests. These tests may limit contributions by highly compensated employees. Depending on a plan’s design, the Safe Harbor may

[PDF File]Understanding the 401(k) & (m) Internal Revenue Service (IRS ...
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whether a 401(k) plan meets the ADP safe harbor is not required. However, for purposes of ACP safe harbor, HCE aggregation requirement is eliminated only if HCE participates in two 401(m) plans on a consecutive basis. • Generally, safe harbor plans may not be amended (or designed) to revert to testing if they don’t meet the safe harbor ...

[PDF File]2017 Safe Harbor Notice 401(k) Retirement Savings Account ...
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Safe Harbor Notice This notice provides information regarding your participation in The Kroger Co. 401(k) Retirement Savings Account Plan (the “Plan”) for the Plan Year beginning January 1, 2017 and ending December 31, 2017 (the “2017 Plan Year”). For the 2017 Plan Year, the Plan will comply with the “safe harbor”

[PDF File]Your guide to Safe harbor 401(k) plans - Vanguard
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Your guide to Safe harbor 401(k) plans * If an employer makes contributions, either matching, nonelective, or discretionary, that exceed certain limits/requirements, the employer is required to treat them as non-Safe harbor contributions and subject the plan to ACP and top-heavy testing.

[PDF File]401(k) Plans for Small Businesses
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401(k) Plans for Small Businesses is a joint project of the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) and the Internal Revenue Service. To view this and other EBSA publications, visit the agency’s website at: dol.gov/agencies/ebsa. To order publications or speak with a benefits advisor, contact EBSA

[PDF File]The Fidelity Retirement Plan
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This booklet contains important information about the Fidelity Retirement Plan. Please review the enclosed documents and keep ... a safe harbor 401(k)/profit sharing ...

[PDF File]State-by-state analysis of IRAs as exempt property Roth IRA ...
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State-by-state analysis of IRAs as exempt property State State Statute IRA Exempt Roth IRA Exempt Special Statutory Provisions Michigan* Mich. Comp. Laws §600.6023(j) Yes Yes The exemption does not apply to amounts

[PDF File]401(k) Plans for Small Businesses
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These are known as safe harbor 401(k) plans and, in exchange for avoiding the annual test-ing, employees in these plans must receive a certain level of employer contributions. Under the most popular safe harbor 401(k) plan (discussed in this publication), mandato-ry employer contributions must be fully vest-ed when made.

[PDF File]401(k) Plan Payroll Items Set Up Instructions for QuickBooks
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401(k) Plan Payroll Items Set Up Instructions for QuickBooks These screen shots were generated using QuickBooks 2008. If you have a different version, your choices may be slightly different. If you have any questions, please feel free to call a Benefits Team Member at 435-7400 or 888-822-5619. How do I… Set up payroll items for my 401(k) Plan?

[PDF File]401(k) PLAN Fix-It Guide
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safe harbor requirements under IRC Section 401(k)(12), the employer doesn’t have to perform the annual ADP or ACP nondiscrimination tests that apply to traditional 401(k) plans. With the safe harbor option under IRC Section 401(k)(12), plan sponsors may choose one of two safe harbor designs, each with their own set of rules.

How safe is my 401k