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401k adoption agreement template

401(k) Plan Adoption Agreement - SEC.gov 2025

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The document outlines the key steps and requirements for establishing a Qualified Retirement Plan, specifically focusing on the PENSCO Solo(k) and Individual 401(k) Profit Sharing Plan. It details necessary actions such as obtaining a fidelity bond, providing a Summary Plan Description (SPD) to employees, and ensuring compliance with eligibility and contribution rules. The document also includes sections for employer information, effective dates, eligibility criteria, contributions, distributions, trustee and custodian appointments, and additional plan documentation.

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Click ‘Get Form’ to open the 401(k) Plan Adoption Agreement in our editor.
Begin by filling out the Employer Information section. Enter the name, address, and contact details of the adopting employer accurately.
Proceed to Section One: Effective Dates. Choose whether this is a new plan or an amendment and specify the effective date accordingly.
In Section Two: Eligibility, define age requirements and eligibility service for employees. Select options that best fit your business needs.
Move to Section Three: Contributions. Indicate if elective deferrals are permitted and specify any additional contributions as needed.
Complete Sections Four through Eight as applicable, ensuring all required fields are filled out correctly before proceeding to sign.
Finally, review all entries for accuracy and completeness before saving or exporting your finalized document.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Where can I find my 401k plan documents?

For most plans, your employer must give you plan disclosure documents explaining eligibility, contributions, vesting and other plan provisions. Employers (for example, those with 401(k) plans) are generally required to provide you a Summary Plan Description (SPD) within 90 days of when you become a plan participant.

What changes are coming to 401(k) in 2025?

For 2025, you can defer up to $23,500 into your 401(k), up from $23,000 in 2024, and workers age 50 and older can make an extra $7,500 in catch-up contributions. But starting this year, workers age 60 to 63 also have what some experts are calling super catch-up contributions.

What is the 401k forecast for 2025?

The 401(k) contribution limit increase means employees under age 50 can contribute up to $23,500 starting in 2025, up from $23,000 in 2024. This higher limit applies to employees participating in 401(k) plans, 403(b) plans , most 457 plans and the federal governments Thrift Savings Plan.

What are the new 401k rules for 2025?

WASHINGTON The Internal Revenue Service announced today that the amount individuals can contribute to their 401(k) plans in 2025 has increased to $23,500, up from $23,000 for 2024.

What is the 401k adoption agreement?

The 401(k) adoption agreement is the document that defines the specific features of your 401(k) plan. The Adoption Agreement is created by the Third Party Administrator, or TPA, using their Basic Plan Document.

What is the maximum amount that an employee can shelter into a 401(k) plan?

Deferral limits for 401(k) plans The limit on employee elective deferrals (for traditional and safe harbor plans) is: $23,000 ($22,500 in 2023, $20,500 in 2022, $19,500 in 2021 and 2020; and $19,000 in 2019), subject to cost-of-living adjustments.