mega backdoor 401放多了怎么办?

2020年的401k limit 应该是57,000 (年纪不到50)
然后我突然发现貌似今年mega 存多了。。也不知道为啥没有在limit的时候被停止。。
现在今年的构成是这样: 19000 Pretax+ 5000employer match + 35000 mega

有没有人有这方面的经验?是应该打电话给券商把mega的部分退一部分回来吗?

这种情况叫做excess annual addition,就是说你pre-tax的部分没超,但是401k的总量超了。
照理来说,plan应该不会让这种事情发生的。

既然已经发生了,那只能让plan做corrective distribution,就是说把多余2k退回来,我给你引一下Publication 525:

A corrective payment of excess annual additions consisting of elective deferrals or earnings from your after-tax contributions is fully taxable in the year paid. A corrective payment consisting of your after-tax contributions isn’t taxable.

If you received a corrective payment of excess annual additions, you should receive a separate Form 1099-R for the year of the payment with code E in box 7. Report the total pay-
ment shown in box 1 of Form 1099-R on line 4c of Form 1040 or 1040-SR. Report the taxable amount shown in box 2a of Form 1099-R on line 4d of Form 1040 or 1040-SR.

这个你要联系券商,他们会给你处理退回来的事情。是他们自己没满足415c limit,有责任帮你把corrective distribution做好。

不知道你是否已经把35k的after-tax 401k全部rollover到roth ira了? 如果是的话那么401k plan可能不得不从pre-tax的部分里面给你退,这样的话有收入税,但是没有罚金的

Even though a corrective distribution of excess annual additions is reported on Form 1099-R, it isn’t otherwise treated as a distribution from the plan. It can’t be rolled over into another plan, and it isn’t subject to the additional tax on early distributions.

2赞

谢谢哈老板,回复都有直接引用太厉害啦。我也觉得券商应该会自动停止但是我进点了ytd contribution statement自己加了下竟然超了。。只能去联系退钱了。。