Ask the Experts

Ask the Experts | July 5th, 2011

(b)lines Ask the Experts – Correcting Past Deferral Limit Violations

July 5, 2011 (PLANSPONSOR (b)lines) – “In performing a 15-year catch-up election calculation under Code Section 402(g)(7) for an individual which required us to review the employee's entire...

Ask the Experts | June 28th, 2011

(b)lines Ask the Experts – Plan Administration after Consolidating Vendors

June 28, 2011 (PLANSPONSOR (b)lines) – During the recent PLANSPONSOR National Conference Ask the Experts panel a plan sponsor said, “Our plan consolidated from several providers to a...

Ask the Experts | June 21st, 2011

(b)lines Ask the Experts – Why Offer Both a 401(a) and 403(b)?

June 21, 2011 (PLANSPONSOR (b)lines) – During the recent PLANSPONSOR National Conference's live Ask the Experts panel a plan sponsor said, “We were formerly part of a larger...

Ask the Experts | June 14th, 2011

(b)lines Ask the Experts – Catch-Up Confusion

June 14, 2011 (PLANSPONSOR (b)lines) – “I read that a 403(b) retirement plan participant can be using what he believes to be the age-50 catch-up election under IRC...

Ask the Experts | June 7th, 2011

(b)lines Ask the Experts – New Form 5500 SSA Schedule

June 7, 2011 (PLANSPONSOR (b)lines) – “I read in a recent Ask the Experts Column on small/frozen Plan 5500 filings that there is a new Form 8955-SSA IRS...

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Ask the Experts | May 31st, 2011

(b)lines Ask the Experts – Testing the Limits

May 31, 2011 (PLANSPONSOR (b)lines) – “We sponsor an elective deferral 403(b) plan that is subject to ERISA. There are no employer contributions. I read in a prior...

Ask the Experts | May 24th, 2011

(b)lines Ask the Experts – Separate Plans for Employee and Employer Contributions

May 24, 2011 (PLANSPONSOR (b)lines) – “Can a 501(c)(3) entity sponsor a non-ERISA 403(b) for deferral contributions and a SEP-IRA for employer contributions?”

Ask the Experts | May 17th, 2011

(b)lines Ask the Experts – Frozen Plan Now Small Plan for Audit Purposes

May 17, 2011 (PLANSPONSOR (b)lines) – “We have a 403b ERISA plan that filed a 5500 with an audit in 2009. On 09/01/09 we froze the plan. As...

Ask the Experts | May 10th, 2011

(b)lines Ask the Experts – Responsibility for Updating Plan to Comply with Regs

May 10, 2011 (PLANSPONSOR (b)lines) – “Our museum has a 403(b) plan with only one provider that provides investment vehicles and also serves as the third party administrator. We...

Ask the Experts | May 3rd, 2011

(b)lines Ask the Experts – Tax on Distributions to a Beneficiary

May 3, 2011 (PLANSPONSOR (b)lines) – “An employee participating in a 403(b) plan died and now his widow, who is 58, has been told she must pay a...

Ask the Experts | April 26th, 2011

(b)lines Ask the Experts – Ensuring Compliant Transactions in Multi-Vendor Plans

April 26, 2011 (PLANSPONSOR (b)lines) – “I am a 403(b) plan sponsor with multiple vendors, and I have heard from law firms, consulting firms, providers and others that...

Ask the Experts | April 19th, 2011

(b)lines Ask the Experts – Restrictions on Hardship Withdrawals

April 19, 2011 (PLANSPONSOR (b)lines) – “We are establishing a new 403(b) plan with a mutual fund provider and wanted to be able to permit hardship distributions on...

Ask the Experts | April 12th, 2011

(b)lines Ask the Experts – Correcting Excess Deferrals

April 12, 2011 (PLANSPONSOR (b)lines) – “I recently discovered that one of our 403(b) plan participants deferred in excess of the 402(g) limit ($16,500) in 2010, and does...

Ask the Experts | March 29th, 2011

(b)lines Ask the Experts – Improving the Plan Audit Experience

March 29, 2011 (PLANSPONSOR (b)lines) – “We are a large ERISA 403(b) plan sponsor and our experience with our very first 5500 plan audit for the 2009 play...

Ask the Experts | March 22nd, 2011

(b)lines Ask the Experts – An Employee Wants to Defer 100%

March 22, 2011 (PLANSPONSOR (b)lines) – “Can a per diem employee who works nominal hours and receives only a few hundred dollars in gross compensation per pay period...

Ask the Experts | March 15th, 2011

(b)lines Ask the Experts – Why 403(b)s Are Slower to Adopt Auto Enroll

March 15, 2011 (PLANSPONSOR (b)lines) – Do the Experts have any insight as to why adoption of automatic enrollment in 403(b) plans lags behind that of 401(k)s?

Ask the Experts | March 8th, 2011

(b)lines Ask the Experts – IRS Audits of Prior Plan Years

March 8, 2011 (PLANSPONSOR (b)lines) – A plan adviser says, “Recently, one of the 403(b) plans I advise received a letter from the IRS indicating the plan is...

Ask the Experts | March 1st, 2011

(b)lines Ask the Experts – Non-Discrimination Rules for Non-QCCOs

March 1, 2011 (PLANSPONSOR (b)lines) – A 501(c)(3) religious organization maintains a 403(b) plan with an employer matching contribution feature.

Ask the Experts | February 22nd, 2011

(b)lines Ask the Experts – Growing over 100 Participants

February 22, 2011 (PLANSPONSOR (b)lines) – A tax-exempt organization in 2010 grew to have 110 participants (including both active and terminated) in its 403(b) plan, while prior to...

Ask the Experts | February 15th, 2011

(b)lines Ask the Experts – Tips on Discrimination Testing

February 15, 2011 (PLANSPONSOR (b)lines) – A (b)lines reader writes: “Our 403b plan has just failed the annual ACP discrimination testing.

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