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2026 401(k) Testing Just got More Painful

  • Apr 6
  • 1 min read
https://video.wixstatic.com/video/e539a7_b7307277eaad4d2c9a28b13ff9d2acf4/1080p/mp4/file.mp4
401(k) testing rules can limit how much highly compensated employees are able to contribute, often leading to refunds of excess contributions. With upcoming changes requiring high earners to make catch-up contributions as Roth starting in 2026, strategies like recharacterization become more complicated—making it even more important to review plan design and consider options like a safe harbor to avoid future issues.

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