Eric Droblyen

What Percentage of Plans Fail 401(k) Nondiscrimination Testing?

By Eric Droblyen 1/30/2022

401(k) plans must pass certain IRS-mandated nondiscrimination tests annually to confirm that highly-compensated employees (HCEs) do not disproportionately benefit and that no plan participant exceeded certain contribution limits. Often, these tests are completed as soon as possible following a year... READ MORE

Traditional Safe Harbor 401(k) Plan vs. QACA – How to Choose

By Eric Droblyen 9/23/2019

Safe harbor 401(k) plans are the most popular type of 401(k) used by small businesses today. Unlike a traditional 401(k) plan, they automatically pass the ADP/ACP and top heavy nondiscrimination tests when certain contribution and participant disclosure requirements are met. This trade-off is well... READ MORE

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Eric Droblyen

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