401(k) Year‑End Compliance Deadlines & Notices (Calendar‑Year)
Dates that matter, who does what, and what to watch. Always use your tailored calendar from us.
At‑a‑glance calendar (high level)
January
Upload census, payroll, and W‑2 tie‑out. Prior‑year distribution tax forms coordinated by the custodian/recordkeeper.
Feb–Spring
Compliance testing and any needed corrections. We’ll share results and options.
Spring–Summer
Finalize employer contributions and coordinate deductibility timing with your CPA.
Summer–Fall
Annual filings drafted and e‑signed; Summary Annual Report prepared for participants.
Late Fall
Next‑year notices prepared and delivered within required windows (plan‑specific).
Year‑End
Wrap up year‑end items (e.g., certain notices or age‑based requirements per plan terms).
Note: Exact dates vary by plan year, design, and whether you file extensions—your custom calendar rules.
Responsibilities (RACI‑style) – Responsible, Accountable, Consulted, and Informed
| Task | Sponsor | TPA | Others |
|---|---|---|---|
| Provide census/payroll/W‑2 | R | A/C | Payroll |
| Compliance testing & corrections | C | R/A | Advisor/CPA |
| Employer contributions & deductibility | R/A | C | CPA |
| Annual filings (e‑file) | A (sign) | R (prepare/file) | Recordkeeper (data) |
| Participant notices | R (deliver) | A (prepare) | Advisor (assist) |
| Large plan audit (if applicable) | R (engage) | C | Auditor |
What we’ll send you
Census request + secure upload link (early January).
Testing results summary + any corrective steps (spring).
Contribution options memo and timing overview (spring/summer).
Filing package for e‑signature and SAR for distribution (summer/fall).
Next‑year notices and send‑by dates (late fall).
Sponsor quick checklist
Upload complete census/payroll/W‑2 files promptly (first week after our request).
Loop in your CPA for contribution timing and deductibility.
If near audit threshold, engage your auditor early.
Collect statements/valuations for any alternative/off‑platform assets.
Review filings quickly so we can e‑file on time.