Late Deposits

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DWC |

401(k) Deferral Deposit Deadlines

Both the Internal Revenue Service (IRS) and the Department of Labor (DOL) consider it a top priority to make sure that contributions employees make to their 401(k) and 403(b) plans are deposited on a ...
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DWC |

What Does Safe Harbor Mean, Exactly?

Facts When we set up our new 401(k) plan last year, we decided not to add a safe harbor provision because we were not in a position to commit to the required contribution. Then we heard our TPA say ...
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DWC |

Are Missed Deferrals and Late Deferral Deposits the Same Thing?

Facts Our company sponsors a 401(k) plan. One of our newer employees, Jane Smith, met the eligibility requirements and should have joined the plan on January 1st. Due to an oversight, we forgot to ...
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DWC |

Delinquent Deposits of Employee Deferrals? There's a Fix for That!

While it might not seem like that big of a deal if 401(k) deposits are made a couple days or weeks late, the Department of Labor (DOL) considers those payroll withholdings to be plan money on the ...
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DWC |

Decoding the Alphabet Soup: What's With All the Acronyms? | Part 3

Facts People in the retirement plan business sure do like their acronyms. All these letters get thrown around, and I do not know what half of them mean.
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