Baden Retirement Plan Services

Corrective Distributions for '09

SunGard Relius has posted a Technical Update that provides a review of the rules and recent law changes relating to 401(k) plan corrective distributions for failed ADP (Actual Deferral Percentage) and ACP (Actual Contribution Percentage) tests for the prior plan year.  According to SunGard Relius, "It is an annual ritual that during the first few months of each new calendar year, 401(k) plan administrators calculate and complete corrective distributions for failed ADP and ACP tests for the prior plan year (typically the calendar year), and excess deferrals for the prior calendar year."
 
The Technical Update provides information related to the following questions:
 
  1. What are the taxation and reporting rules regarding a distribution of excess contributions or excess aggregate contributions?
  2. Must a 2009 distribution of excess contributions or excess aggregate contributions include gap period earning (i.e., earning from the end of the plan year to the date of distribution)?
  3. What are the withholding requirements regarding a distribution of excess contributions or excess aggregate contributions?
  4. What are the taxation and reporting rules regarding a distribution of excess deferrals?
  5. Must a 2009 distribution of excess deferrals include gap period earnings (i.e., earning from the end of the plan year to the date of distribution?
 
Please Contact Us with questions about corrective distributions related to a particular 401(k) plan.