{"id":762,"date":"2023-07-03T15:31:55","date_gmt":"2023-07-03T15:31:55","guid":{"rendered":"http:\/\/eplapprw11.paychex.com\/blogtest\/?post_type=article&#038;p=153"},"modified":"2025-10-02T17:03:08","modified_gmt":"2025-10-02T17:03:08","slug":"highly-compensated-employees-and-your-401k-plan","status":"publish","type":"article","link":"https:\/\/secure.eplanservices401k.com\/marketing\/article\/highly-compensated-employees-and-your-401k-plan\/","title":{"rendered":"Highly Compensated Employees and Your 401(k) Plan"},"content":{"rendered":"\n<p>Many organizations have highly compensated employees as well as key employees, which typically includes the business owner. With these employees in place, it\u2019s imperative that you keep your company\u2019s 401(k) plan compliant.<\/p>\n\n\n\n<p>To start, consider that highly compensated employees differ from other types of employees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Highly Compensated Employees vs. Key Employees<\/h2>\n\n\n\n<p>To determine if an employee is a highly compensated employee, the IRS requires two tests:<\/p>\n\n\n\n<p><strong>Ownership Test:<\/strong> Determines if an employee or business owner owns greater than 5% of the business at any time during a plan year or during the 12 months preceding the plan year regardless of their compensation.<\/p>\n\n\n\n<p><strong>Compensation Test:<\/strong> Determines if an employee receives more than $150,000 in compensation during the lookback year, as of 2023.<\/p>\n\n\n\n<p>In contrast, key employees:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Own greater than 5% of the company at any time during the plan year, or<\/li>\n\n\n\n<li>Own greater than 1% of the company at any time during the plan year and earns more than $150,000 for the plan year, or<\/li>\n\n\n\n<li>Is an officer at any time during the relevant plan year and earns more than $215,000 (in 2023)<\/li>\n<\/ul>\n\n\n\n<p>It is possible to be both a key employee and an HCE if conditions are met.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">HCEs and Compliance Testing<\/h2>\n\n\n\n<p>To ensure that HCEs and non-HCEs receive equal treatment within the employer-sponsored 401(k) plan, employers must perform <a href=\"https:\/\/secure.eplanservices401k.com\/blog\/article\/eplans-guide-to-401k-compliance-testing\/\">annual non-discrimination testing<\/a>. These tests include:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Actual Deferral Percentage (ADP) Test<\/h2>\n\n\n\n<p>This test compares salary deferrals of HCEs to non-HCEs. This test is conducted by comparing the average deferral percentage for HCEs to the average deferral percentage of non-HCEs. <strong>To satisfy IRS requirements, the following must occur:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The annual contribution rate of HCEs does not exceed 1.25 times that of non-HCEs ADP, or<\/li>\n\n\n\n<li>The ADP of HCEs is not more than 2 percentage points greater than that of non-HCEs<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Actual Contribution Percentage (ACP) Test<\/h2>\n\n\n\n<p>While this test is like the ADP test, it is applied to employer-matching contributions as well as the employee post-tax contributions. For this test, the average contribution percentage for HCEs is compared to that of non-HCEs.<\/p>\n\n\n\n<p>To satisfy non-discrimination requirements, the same criteria that satisfies the ADP test is required.<br>In the event a plan fails ADP or ACP testing, excess contribution amounts may be returned to HCEs or a corrective contribution to non-HCEs may be required. Deadlines for corrections apply.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top Heavy Test<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/secure.eplanservices401k.com\/blog\/article\/what-is-the-401k-top-heavy-test\/\">top-heavy test<\/a> specifically applies to key employees, as defined above. If the accrued benefits of key employees exceeds 60% of all plan assets valued on the last day of the preceding plan year, the employer would need to correct this ratio by making a minimum contribution to non-key employees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Safe Harbor Plans for Businesses with Highly Compensated Employees<\/h2>\n\n\n\n<p>Safe harbor plans are not deemed to pass ADP, ACP and Top Heavy testing, making this a smart retirement option to offer employees if you&#8217;re looking to reduce the risk of failing compliance tests.<\/p>\n\n\n\n<p><strong>There are two types of Safe Harbor 401(k) plans:<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Traditional<\/h2>\n\n\n\n<p>The employer offers a basic match of 100% match of the first 3% and 50% of the next 2% of deferred employee compensation. There is also an available enhanced matching formula.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Non Elective Contribution<\/strong><\/h2>\n\n\n\n<p>In lieu of a match, an employer can opt for a non-elective contribution (NEC). With the NEC option, the employer has to fund the employee account regardless of whether or not the employee made any contributions to the account. The amount of the NEC must be 3% of employee\u2019s compensation.<\/p>\n\n\n\n<p>HCEs may be exempt from receiving either of these options if this option is adopted during the plan\u2019s inception.<\/p>\n\n\n\n<p><strong>Safe Harbor with Auto Enrollment<\/strong><\/p>\n\n\n\n<p>Employees are automatically enrolled and may elect to opt out. Automatic escalation of the default enrollment percentage is generally required. The basic match option is100% on the first 1% of compensation, plus 50% on the next 5%. Non elective contribution for employers can is another option for the Safe Harbor auto enrollment plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Other Options for Highly Compensated Employees<\/h2>\n\n\n\n<p>To avoid possible consequences of over-contributing to an employer-sponsored 401(k) account, highly compensated employees can choose to place their additional funds in other types of accounts. Human resources departments and plan administrators may consider giving this additional guidance to HCEs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Possible catch-up contributions:<\/strong> Employees aged 50 or older can make catch-up contributions regardless of compensation. For 2023, the contribution limit for those age 50 or older is $7,500. Catch up contributions are excluded from ADP testing.<\/li>\n\n\n\n<li><strong>Health Savings Accounts (HSA):<\/strong> Highly compensated employees who subscribe to a qualified high deductible health plan can contribute to these health accounts. These accounts have a contribution limit of $3,850 for single plans, and for a family, the limit is $7,750.<\/li>\n\n\n\n<li><strong>Roth IRA contributions:<\/strong> Money that is contributed to a Roth IRA is done on an after-tax (tax deductible) basis. For those that are under the age of 50, the contribution limit to a Roth IRA is $6,500 in 2023.<\/li>\n<\/ul>\n\n\n\n<p>For businesses with highly compensated employees, compliance is likely top of mind. If you have questions about keeping your 401(k) compliant, our support team is here to help. Our sales team is also available to answer any questions about setting up a Safe Harbor plan for your organization.<\/p>\n\n\n\n<!-- Modal -->\n<div class=\"modal fade\" id=\"salesModal\" tabindex=\"-1\" aria-labelledby=\"exampleModalLabel\"\n    aria-hidden=\"true\">\n    <div class=\"modal-dialog \">\n        <div class=\"modal-content\">\n            <div class=\"modal-header\">\n                <h2>Contact our sales team<\/h2>\n                <button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"Close\"><\/button>\n            <\/div>\n            <div class=\"modal-body\">\n                <div class=\"modal-form\">\n                    <div class=\"modal-form__left\">\n                        <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar 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   <h2 class=\"gform_title\">Contact Our Sales Team<\/h2>\n                            <p class='gform_description'><\/p>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_1' id='gform_1'  action='\/marketing\/wp-json\/wp\/v2\/article\/762#gf_1' data-formid='1' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_1' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_1_1\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_1'>First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_1_1' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_3\" class=\"gfield gfield--type-text gfield--input-type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_3'>Last Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_3' id='input_1_3' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_6\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_6'>Phone Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_1_6' type='text' value='' class='large'    placeholder='(000) - 000-0000' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_5\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_5'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_5' id='input_1_5' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_1_7\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_7'>Company<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_7' id='input_1_7' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_13\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_13'>Number of Employees<\/label><div class='ginput_container ginput_container_number'><input name='input_13' id='input_1_13' type='number' step='any' min='0' max='100000' value='' class='large'      aria-invalid=\"false\" aria-describedby=\"gfield_instruction_1_13\" \/><div class='gfield_description instruction ' id='gfield_instruction_1_13'>Please enter a number from <strong>0<\/strong> to <strong>100000<\/strong>.<\/div><\/div><\/div><fieldset id=\"field_1_15\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Do you have a company retirement plan?<\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_15'>\n\t\t\t<div class='gchoice gchoice_1_15_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_15' type='radio' value='Yes'  id='choice_1_15_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_15_0' id='label_1_15_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_1_15_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_15' type='radio' value='No'  id='choice_1_15_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_1_15_1' id='label_1_15_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_16\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_16'>What is the estimated total in Plan Assets?<\/label><div class='ginput_container ginput_container_number'><input name='input_16' id='input_1_16' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_17\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Is a financial professional assisting you with your company retirement plan?<\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_1_17'>\n\t\t\t<div class='gchoice gchoice_1_17_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='Yes'  id='choice_1_17_0' 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