Safe Harbor 401(k) Top-Heavy Tester
1,106,540.00 in 401(k) plan assets evaluated under IRC Section 416 top-heavy rules across across 2 items.
Key employees hold $1,100,000.00 of $1,290,000.00 total plan assets (85.3% ratio). Substantially exceeds 60.0% statutory threshold.
Method1Classified key employees under Section 416(i) compensation and ownership thresholds.
2Calculated plan asset ratios and modeled mandatory 3.0% non-elective employer remediation.
| Reference | Description | Evaluated_Balance |
|---|---|---|
| 1. Top-Heavy Definition | Top-Heavy Key Employee Ratio Failure (85.3%) | 1,100,000.00 |
| 3. Mandatory Minimum Contribution | Mandatory Employer Minimum Contribution Required | 6,540.00 |
Retirement plan participant account balance census, plus IRS IRC Section 416 top-heavy regulations
IRC Section 416 Top-Heavy test scorecard and mandatory employer non-elective contribution model (Resolution Dossier, Findings Schedule)
Open Safe Harbor 401(k) Top-Heavy Tester on sample data now with no sign-up, then run your own files free for 14 days. $2,500 a month after that, cancel any time. 30% goes to the referring partner.
Read in memory for the session, never stored, never used to train a model.
Not employment law advice. Decisions about people must stay with a human reviewer and follow the employment laws that apply to you. Not financial, investment, banking or securities advice. Filings and screening results must be reviewed by a qualified compliance professional. Tax and accounting results are not tax advice. Rates, thresholds and rules change; confirm them with a qualified tax adviser or CPA.
14 days on your own files, then $2,500 a month.
Open Safe Harbor 401(k) Top-Heavy Tester on sample data now with no sign-up, then run your own files free for 14 days. $2,500 a month after that, cancel any time.
On a sample file: 1,106,540.00 in 401(k) plan assets evaluated under IRC Section 416 top-heavy rules across across 2 items.
Why not just use ChatGPT?
Rules that stay current: the rate cards, tariffs, code sets and regulations it checks against are kept up to date for you; a one-off prompt starts from nothing each time. Evidence that stands up: every finding cites the line, the file and the rule, so it holds up with a vendor, a payer or an auditor. The same answer every time: the checks are written rules, not a fresh guess, so this month's result can be compared with last month's. Nobody has to own it: no one inside has to build, test and maintain a home-made tool, and files are not pasted into a public chatbot.
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