--- title: Reporting & Disclosure Calendar for 401(k) & Other Defined Contribution Plans description: An overview and quick reference guide of the key dates and deadlines for 401(k) and other defined contribution plans. image: https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_401_category.svg --- [![logo](https://www.dwc401k.com/hubfs/_global/logo.svg "logo")](https://www.dwc401k.com/) [![logo](https://www.dwc401k.com/hubfs/Dwc-2019/SVG/logo.svg "logo")](https://www.dwc401k.com/) [![Contribution Limits](https://no-cache.hubspot.com/cta/default/3113501/af3ae025-72b1-41fa-8855-5e196d6c26e4.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/af3ae025-72b1-41fa-8855-5e196d6c26e4) [![Log in](https://no-cache.hubspot.com/cta/default/3113501/3466ce37-58ba-4a93-bddb-0d4c8bb8ccbc.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/3466ce37-58ba-4a93-bddb-0d4c8bb8ccbc) [![services-icon1](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon1.png) ## Plan Document A properly drafted document is the foundation of achieving the company's objectives and keeping the plan in operational compliance. ](https://www.dwc401k.com/services/plan-document) [![services-icon2](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon2.png) ## Plan Compliance We have a fundamental understanding of how critical plan compliance is to both the IRS and Department of Labor. ](https://www.dwc401k.com/services/plan-compliance) [![services-icon3](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon3.svg) ## Defined Benefits Services We work with business owners and investment advisors to determine what makes the most sense by providing a detailed cost benefit analysis. ](https://www.dwc401k.com/services/defined-benefits-services) [![services-icon4](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon4.svg) ## Mergers, Aquisitions & Related Company Analysis The DWC team is well-versed enough in the nuances and is ready to help you navigate the situation. ](https://www.dwc401k.com/services/mergers-acquisitions-analysis) [![services-icon5](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon5.png) ## Plan Corrections DWC's extensive experience with both the IRS and Department of Labor voluntary correction programs allows us to help you address just about any accident that might happen. ](https://www.dwc401k.com/plan-corrections) [![services-icon6](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon6.png) ## Government Audits Being selected for an audit can feel overwhelming, but the process doesn't have to be. ](https://www.dwc401k.com/services/government-audits) ![service-right-icon](https://www.dwc401k.com/hubfs/QOTW/March%202020/service-right-icon.svg) ## Investment Advisor Support DWC has a long history of successfully partnering with investment advisors. We bring decades of experience, supported by the resources to deliver comprehensive solutions for your clients. Our consultants understand the importance of your relationships and will work seamlessly alongside your team. 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[![https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) ](https://www.dwc401k.com/blog/the-new-era-of-401ks-evaluating-private-equity-for-retirement-portfolios) ### [The New Era of 401(k)s: Evaluating Private Equity for Retirement Portfolios](https://www.dwc401k.com/blog/the-new-era-of-401ks-evaluating-private-equity-for-retirement-portfolios) [![https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) ](https://www.dwc401k.com/blog/why-the-simple-to-401k-transition-is-finally-simple) ### [Why the SIMPLE-to-401(k) Transition Is Finally… Simple](https://www.dwc401k.com/blog/why-the-simple-to-401k-transition-is-finally-simple) [![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-6) ### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 6](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-6) [![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-5) ### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 5](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-5) [![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-4) ### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 4](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-4) [![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_rr_png_category.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_rr_png_category.png) ](https://www.dwc401k.com/blog/in-case-of-emergency-dont-break-plan) ### [In Case of Emergency, (Don't) Break Plan!](https://www.dwc401k.com/blog/in-case-of-emergency-dont-break-plan) [![See all](https://no-cache.hubspot.com/cta/default/3113501/da389b32-e8ba-4681-ac07-738df4376a5b.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/da389b32-e8ba-4681-ac07-738df4376a5b) [!["Complete Control" with Recommended Contributions](https://www.dwc401k.com/hs-fs/hubfs/Blog/Cash%20Balance%20Corner/September%202020/CBC%20-%209.3.2020%20-%20Complete%20Control%20with%20Recommended%20Contributions_Retirement%20Plan%20Design.png?width=800&height=350&name=CBC%20-%209.3.2020%20-%20Complete%20Control%20with%20Recommended%20Contributions_Retirement%20Plan%20Design.png) ](https://www.dwc401k.com/blog/calculating-recommended-contributions-cash-balance-corner) ### ["Complete Control" with Recommended Contributions](https://www.dwc401k.com/blog/calculating-recommended-contributions-cash-balance-corner) [![“Cover Me” with the Pension Benefit Guaranty Corporation](https://www.dwc401k.com/hs-fs/hubfs/CBC-8.19-PBGC.png?width=800&height=350&name=CBC-8.19-PBGC.png) ](https://www.dwc401k.com/blog/cover-me-with-pbgc) ### [“Cover Me” with the Pension Benefit Guaranty Corporation](https://www.dwc401k.com/blog/cover-me-with-pbgc) [![10-Retirement-Compliance-Failures](https://www.dwc401k.com/hs-fs/hubfs/Blog/Blog%20Collateral%20-%20Old%20Designs/Blog%20Header%20Images_Old%20Watermarked%20Design/10-Retirement-Compliance-Failures.png?width=800&height=350&name=10-Retirement-Compliance-Failures.png) ](https://www.dwc401k.com/blog/10-common-retirement-plan-compliance-failures-found-by-the-irs) ### [10 Common Retirement Plan Compliance Failures Found by the IRS](https://www.dwc401k.com/blog/10-common-retirement-plan-compliance-failures-found-by-the-irs) [![2020 DOL Enforcement Stats: Is the Glass Half Full or Half Empty?](https://www.dwc401k.com/hs-fs/hubfs/Blog/Question%20of%20the%20Week/3.4.2021%20DOL%20Enforcement%20Blog.png?width=800&height=350&name=3.4.2021%20DOL%20Enforcement%20Blog.png) ](https://www.dwc401k.com/blog/2020-dol-enforcement-statistics) ### [2020 DOL Enforcement Stats: Is the Glass Half Full or Half Empty?](https://www.dwc401k.com/blog/2020-dol-enforcement-statistics) [![2020 Retirement Plan Tax Deductions - It's Not Too Late](https://www.dwc401k.com/hs-fs/hubfs/Blog%20-%204.15.2021%20-%202020%20Retirement%20Plan%20Deductions.png?width=800&height=350&name=Blog%20-%204.15.2021%20-%202020%20Retirement%20Plan%20Deductions.png) ](https://www.dwc401k.com/blog/2020-retirement-plan-deductions-not-too-late) ### [2020 Retirement Plan Tax Deductions - It's Not Too Late](https://www.dwc401k.com/blog/2020-retirement-plan-deductions-not-too-late) [![QOTW - 5.8.2018 - 401k Distribution Rules - After Taking a Hardship Distribution How Quickly Must a Participant Stop 401k Contributions - 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[Legislation](https://www.dwc401k.com/blog/topic/legislation) - [Cash Balance](https://www.dwc401k.com/blog/topic/cash-balance) - [Fiduciary Responsibility](https://www.dwc401k.com/blog/topic/fiduciary-responsibility) [![See all](https://no-cache.hubspot.com/cta/default/3113501/6e4f2713-d231-4e2f-9509-351824dea8bd.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/6e4f2713-d231-4e2f-9509-351824dea8bd) Company ### The DWC Difference Meet our team, explore career opportunities, and learn how DWC partners with TPAs to grow. - [About Us Who we are and our story ](https://www.dwc401k.com/about) - [Join the 401k Experts Open roles and life at DWC ](https://www.dwc401k.com/about/careers) - [Mergers and Acquisitions Grow faster with DWC ](https://www.dwc401k.com/mergers-and-acquisitions) [![feature image](https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) 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--- | --- | | ### January | | | **January 31** **Forms 1099-R Due to Participants** | The custodian/directed trustee of the plan delivers Forms 1099-R directly to the participants. Please note, some custodians/directed trustees attach the form to the check at time of distribution. (The deadline to file this form with the IRS is February 28 for paper filings, and March 31 for electronic.) *For more information on Form 1099-R, *[*click here*](https://www.dwc401k.com/form-1099-r-distribution-codes)*.* | | **January 31** **Form 945: Annual Return of Withheld Federal Income Tax** | The trustee/custodian prepares this form to file with the IRS, typically using their tax ID as opposed to your plan ID.  The deadline can be extended to February 10th if all taxes were paid timely.  | | ### March | | | **March 15** **ADP/ACP Refunds Due without Excise Tax** | ADP/ACP refunds must be issued within 2 ½ months following the end of the plan year in order to avoid the 10% excise tax. *For more information on ADP and ACP testing, *[*click here*](https://www.dwc401k.com/knowledge-center/nondiscrimination-testing-adp-and-acp-tests)*.* | | ### April | | | **April 1** **Initial Required Minimum Distribution Due** | Those who are required to take their initial RMD must do so by April 1st of the year following the year to which the RMD relates.   *For more information on required minimum contributions, *[*click here*](https://www.dwc401k.com/knowledge-center/required-minimum-distributions-faqs)*.* | | **April 15** **Excess Deferral Refunds Due** | Participants that exceed the 402(g) limit (maximum salary deferrals allowed in calendar year) in the prior year must have excess deferrals refunded by this date.  Failure to meet this deadline may result in the participant being double-taxed on the excess amount. *For more information on annual limits, *[*click here*](https://www.dwc401k.com/historical-contribution-testing-limits-chart)*.* | | ### July | | | **July 31** **Forms 5500 & 8955-SSA Filing Due** | The Forms 5500 and 8955-SSA are due 7 months following the close of the plan year.  The plan can extend the deadline by 2 ½ months by filing Form 5558 (Application for Extension of Time) by this date. *For more information on Forms 5500 and 8955-SSA, **[click here](https://www.dwc401k.com/knowledge-center/form-5500-faq) and [here](https://www.dwc401k.com/knowledge-center/form-8955-ssa-faqs).* | | **July 31** **Form 5330 Due** | This is the filing deadline to report excise taxes for employee benefit plans. *For more information on Form 5330 [click here](https://www.dwc401k.com/knowledge-center/form-5330-faqs).* | | ### September | | | **September 30** **Summary Annual Reports Due** |  The Summary Annual Report (SAR) is due two months after the deadline for filing the Form 5500. | | ### October | | | **October 15** **Extended Deadline to File Form 5500** |  If Form 5558 was filed by July 31st, the deadline to file Form 5500 is extended by 2 ½ months. | | **October 15** **Corrective Plan Amendment** |  Deadline to adopt a retroactive corrective plan amendment, if the plan fails minimum coverage, nondiscrimination, and/or compensation requirements for the prior plan year. *For more information on plan amendments click [here ](https://www.dwc401k.com/knowledge-center/voluntary-retirement-plan-amendments-and-restatements)and [here](https://www.dwc401k.com/knowledge-center/mandatory-retirement-plan-amendments-and-restatements).* | | ### December | | | **December 1** **Safe Harbor/QDIA/Automatic Enrollment Notice** |   The Safe Harbor, Automatic Contribution Arrangement and QDIA Notices must be distributed to all eligible participants 30 to 90 days prior to the start of the next plan year. | | **December 15** **Summary Annual Report Extended Deadline** | The extended deadline to provide the Summary Annual Report. | | **December 31** **Plan Document Deadlines** | Certain plan amendments must be executed by the last of the plan year in which they are effective.  Such amendments may include the following: - Change of ADP/ACP testing methodology - Change of non-elective contribution allocation formula - Establishment of new plan Note that due to the notice deadline described above, amendments to safe harbor plans must generally be prepared in advance of December 1st so that the provisions can be incorporated into the safe harbor notice. | | **December 31** **Ongoing RMD Due** | Those who are currently in pay status are required to take their RMD by December 1st.   | | **December 31** **Final Deadline To Correct ADP/ACP Failures** |  Test failures must be corrected by the end of the year following the year to which they relate to avoid significant penalties, including the potential loss of the plan’s tax-qualified status. | ### Want to keep a copy of this compliance calendar on hand? Click the button below for a printable PDF version. Looking for a calendar for Cash Balance and other Defined Benefit deadlines? [Click here](https://www.dwc401k.com/defined-benefit-cash-balance-reporting-calendar). ### [![Download the Printable Calendar](https://no-cache.hubspot.com/cta/default/3113501/fe810dc5-d0d1-4e55-b61c-60dbe9b91464.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/fe810dc5-d0d1-4e55-b61c-60dbe9b91464) Note: Your calendar should download immediately, if it does not or the download is blocked please contact Ali Smith at [ali.smith@dwc401k.com](mailto:ali.smith@dwc401k.com) [![Contact DWC](https://www.dwc401k.com/hs-fs/hub/3113501/hub_generated/resized/d502700a-5674-4a08-8d27-9e75edeff313.png?width=1200&height=250&name=d502700a-5674-4a08-8d27-9e75edeff313.png)](https://www.dwc401k.com/cs/c/?cta_guid=999fae44-c17d-4285-b321-165a1eb517f2&signature=AAH58kFk-B0XKnGWUgGXJs8DiVY3-muoHA&portal_id=3113501&pageId=8651629499&placement_guid=db804091-e2fc-4489-9fcd-58164bf8756e&click=f64c20ec-4bf5-4cad-b48d-f6f5474399d5&redirect_url=APefjpHn8_3vmFzYwYknAKckAE9HvGM7N4zihiVkQXVe37qIbH6NV5UU5YV3tmPLSeM50bWVDkrnpn8P3iVuHDKGFOemv1yO7FIly2GpEGXgbojjTqQ5nZQ&hsutk=&canon=https%3A%2F%2Fwww.dwc401k.com%2Fdefined-contribution-reporting-calendar)   - Share - [**](https://www.facebook.com/sharer/sharer.php?u=https://www.dwc401k.com/blog/defined-contribution-reporting-calendar&title=Reporting%20&%20Disclosure%20Calendar%20for%20401(k)%20&%20Other%20Defined%20Contribution%20Plans&picture=https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_401_category.svg&description=An%20overview%20and%20quick%20reference%20guide%20of%20the%20key%20dates%20and%20deadlines%20for%20401(k)%20and%20other%20defined%20contribution%20plans.) - [**](https://twitter.com/share?url=https://www.dwc401k.com/blog/defined-contribution-reporting-calendar&hashtags=) ## Browse categories [ DWC Developments ](https://www.dwc401k.com/blog/topic/dwc-developments) [ Industry Insights ](https://www.dwc401k.com/blog/topic/industry-insights) [ Regulatory Round-Up ](https://www.dwc401k.com/blog/topic/regulatory-round-up) [ Cash Balance Corner ](https://www.dwc401k.com/blog/topic/cash-balance-corner) [ 401(k) Q&A ](https://www.dwc401k.com/blog/topic/401k-qa) [ Operational Overview ](https://www.dwc401k.com/blog/topic/operational-overview) [ Lessons from Litigation ](https://www.dwc401k.com/blog/topic/lessons-from-litigation) [ Pension Primer ](https://www.dwc401k.com/blog/topic/pension-primer) [ Browse by Topic ](https://www.dwc401k.com/knowledge-center-topics) ## Subscribe to our newsletter ### Only the Best Retirement Industry Content Get our 401(k) and defined benefits content delivered directly to your inbox. 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