Mega Roth 401(k)s are HOT! But Can We Actually Offer This in Our Plan? | Sessions

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Concurrent Session
Mega Roth 401(k)s are HOT! But Can We Actually Offer This in Our Plan?
In-Person Monday 06/13/2022 03:30 PM - 04:30 PM   Add to calendar

Competencies: Business (Behavioral), Leadership (Behavioral)
Workplace Application:
Attendees will learn the benefits and pitfalls of Mega Roth as a plan benefit and whether or not you can offer it in your plan. 

Ever since the Wall Street Journal article, inquiries about Mega Roth features have ballooned. But what is the Mega Roth (a.k.a., the Super Roth, or the Backdoor Roth) and how does it work?  Are there any pitfalls that a company need to consider, such as discrimination testing, annual limits and safe harbor design considerations.  In this session, we'll answer all your questions and show you some techniques you can use to help implement a Mega Roth program, or give you alternatives to consider if it can't fit your organization.

Learning Objectives:

  • What is the Mega Roth and how does it work?
  • What are "after-tax" contributions v. Roth contributions?
  • Can this affect ADP/ACP discrimination testing? (NOTE: you need to have an understanding of ADP/ACP testing as a prerequisite)
  • If our plan is safe harbored, is there anything we need to consider?
  • What alternatives do we have if Mega Roth won't work for our organization?

In-person session offerings are on a first-come, first-served basis.

Robert  Massa Photo
Robert Massa, Managing Director of Retirement,
Qualified Plan Advisors, LLC