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ADP & ACP Testing Deadlines

We are quickly approaching the deadline for making any corrections to plans that fail nondiscrimination testing. What follows is a discussion of what these tests are and how failed tests can be corrected, both for the plan year being tested and going forward.

Nondiscrimination Testing
401(k) plans are subject to nondiscrimination testing, specifically the Actual Deferral Percentage (ADP) and Actual Contribution Percentage (ACP) tests.

Successful Retirement Plan Outcomes

As retirement professionals, we work with a wide variety of successful business owners and executives to help them design and implement a retirement plan that fits their circumstances and needs. While the need for a retirement plan is pervasive across most industries, the employer’s understanding of how to drive a successful outcome for plan participants is surprisingly scarce. Our years of experience have shown that one of the most important factors in achieving a successful retirement plan outcome is employer engagement with the plan.


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