Many 401ks are not funding matches this year due to uncertain economic times. This means companies will be subject to the ADP/ACP test for the first time. HCEs (who never heard of anti-discrimination rules) will be forced to take a large refund, unless frequent testing is done to make sure the plan stays in compliance.

To help mitigate this problem, 401ktest.com provides a 12 month subscription to our ADP/ACP testing site for only $29.
401ktest.com is designed to accommodate companies with 200 employees or less. It works with larger companies, but some of the features become hard to use; like the feature allowing you to (drag and drop employees from one category to another) during the testing process.

Don’t let the price scare you. This site works! A colleague told me it works better than sites charging $10,000 for their service. It’s been up and running since June 2007. 401ktest is currently the only testing site priced for the small business market.

The following tools are also available free of charge!

1. A loan amortization schedule that automatically calculates 401k loan payments.
2. EBAR Calculation worksheet. Find out if an EBAR option would be helpful.
3. HCE Limit Calculator. If you know your Non-HCE Percentages, this tool will calculate your HCE limit for you.

Without preliminary testing, there could be a compliance nightmare for non-safe harbor plans!

• it's NOT ok to contact this poster with services or other commercial interests