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 enroll Jane in the plan until she asked about it a couple months later. We assume that we need to make some sort of correction, and we’ve done some online research to figure out next steps. We’ve seen references to missed deferral opportunities and late deferral deposits, but to be honest, it’s all a little confusing.