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IRS Testing Requirements for 401(k) Plans

IRS Mandated Tests

Qualified retirement plans are subject to certain IRS mandated tests called non-discrimination tests. Their purpose is to insure that the plan is set up for the benefit of all employees, not just the owners and highly compensated employees. These tests must be performed each year. Non-qualified plans, such as the Deferred Compensation Dream Plan, are not subject to these tests.

Single Employer Plans

If your company is part of a 'controlled group' of companies each employer controlled group is combined for testing purposes and tested as one employer.

Multiple Employer Plans

If you are a client of a PEO with a multiple employer plan, each client control group is tested as one entity. This section was developed to provide you with information about the tests and how they may impact your plan.

In this section we will address the following tests and questions:

Topical Articles of Interest:

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Plan Testing

Select this link Tests Overview

    Select this link ACP/ADP Tests

    Select this link Failed ACP Test

    Select this link Failed ADP Test

    Select this link Multiple Use Test

    Select this link Minimum Coverage

    Select this link Affiliated Service

    Select this link Controlled Group

    Select this link Top-Heavy Test

    Select this link Covered Employees

    Select this link Part-time Employees

    Select this link Union Employees

    Select this link PEO Client Outside

    Select this link Deductible Limits

Other Links

Select this link Retirement Plans

Select this link Employee Benefits

Select this link Strategies

Select this link White Papers

 

 

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Information is provided for review and consideration only. Please consult legal and tax advisors for practical advice pertaining to your business and personal situations.

This page was last reviewed and/or updated on Friday, July 03, 2015 05:22 PM

 

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