The easiest way to enroll is online. Click on the Enroll button at the top of the Slavic401k.com website and follow the prompts to enroll in your company’s 401(k) plan. You will need to provide your name, date of birth, social security number, and employment information before you are able to select your contributions.
After you enroll in your company’s 401(k) plan, you will also need to register for online access to your account. You can do this by clicking the Login button at the top of Slavic401k.com and following the prompts to set up your login credentials. Once complete, you can access your account through our website and mobile app.
In order to sign up for online access to your account, you must first enroll in your company’s 401(k) plan. If you have not previously enrolled, please enroll here and follow the prompts to complete your enrollment.
Once enrolled, log in here and follow the prompts to set up your login credentials. Once both processes are complete, you can access your 401(k) account through our website and mobile app.
If you are an employer or plan sponsor, below are login pages:
To reset your password, click on the Forgot Password link on the Slavic401k.com login screen to reset your password.
If you are looking for general information, log in to your online account here .
Are you looking for a 1099-R form? It is also available for download in the Form section mentioned above. Please remember, 1099-R forms will only be available if you took a distribution or loan from your 401(k) during the tax year.
To apply for a distribution, follow the instructions in this video .
In order to qualify for a hardship distribution, the IRS requires that you meet one of the following conditions:
If any of those conditions apply to you, follow these instructions to apply:
Please be aware that hardship requests take 7-10 business days for processing and additional 1-3 business days to receive the funds electronically, or 7-10 business days to receive the funds via standard mail. Overnight mailing is available for an additional fee and is subject to a one-day delay if the distribution is a large amount.
In order to be eligible to take a loan, you must be currently employed by the company who your 401(k) account is with. If you are, please follow these steps to apply for a loan:
Please be aware that loan requests take 7-10 business days for processing and additional 1-3 business days to receive the funds electronically, or 7-10 business days to receive the funds via standard mail. Overnight mailing is available for an additional fee and is subject to a one-day delay if the distribution is a large amount.
If have an old 401(k) from a company you are no longer employed with and wish to roll it in to your current 401(k) account with us, please follow these steps:
Email: customers@slavic401k.com Fax: (561) 241-1070
Once received, please allow 7-10 business days for processing to complete. You may verify processing has completed by viewing Transaction History underneath the Manage heading within your online account.
If you have forgotten your password or username, you can reset both here . If you are locked out of your account, please call us at (800) 356-3009.
Slavic’s Wealth Management advisors will help you identify a financial plan, which we believe will help you achieve your dreams and protect your wealth assets from life’s unexpected moments.
With information you supply, a Slavic Wealth Management consultant can help you analyze and project expenses, create a budget, and suggest ways to implement a saving and investment strategy to help you save for a wedding, new home, college tuition, or any of life’s biggest milestones.
Why pay Uncle Sam more than you’re required to pay? Slavic’s goal is to limit your tax liabilities so you can retain more of your hard-earned money. A Wealth Management consultant will review your tax situation and refer you to tax professionals, if needed, for more robust tax planning assistance and strategy.
It’s important to identify adverse factors that could negatively affect your life. One of the ways Slavic Wealth Management suggests to protect your assets is through various types of personal and financial insurance.
We help estimate your retirement expenses and income, then suggest a savings plan and financial strategy we believe will start you on the path to the retirement you dream of.
Our financial advisors will provide you with a list of estate planning attorneys in your area to help you establish legal paperwork and directives, so your loved ones are taken care of after you pass, or in the event you become unable to take care of your own financial and medical affairs while alive. This is a vital aspect of retirement planning, yet one which some individuals may want to avoid – Slavic Wealth Management helps you get the ball rolling.
The account information and transaction areas use Secure Socket Layer (SSL) encryption to ensure that your account information is not accessible to others. You are also required to use a multifactor authentication personal identification number (PIN) to access your specific account information.
We require multifactor authentication (MFA) for all Slavic401k accounts. Multifactor authentication is one of the security measures we use to help ensure your money and account stay safe from cyber criminals and unwanted access by anyone other than yourself.
When you sign up for online access to your 401(k) account, you are required to provide a mobile phone number. When you login, we send a text message containing a unique confirmation code to your phone, as a secondary layer of protection for your account, should an unauthorized person gain access to your login credentials. Once you type in the confirmation code, you will be able to access your account.
Currently, multifactor authorization requires that you provide a mobile phone number; you cannot use your email address as a second layer of authentication.
IRS regulations prevent taking a distribution if the private employer organization or your participating employer still employs you. Once you terminate your employment, and separate from both your employer and payroll company/plan sponsor/PEO, you may withdraw your vested balance.
There are several options for withdrawals while you are still employed. The list below provides a description for each.
Loans
Taking out a loan simply means borrowing money from your 401(k). You pay yourself back, with interest (based on the current interest rate). Loan payments are taken directly out of your paycheck. The maximum that you can borrow from your 401(k) is 50% of your vested balance, up to $50,000. The minimum that you can borrow is $1000, which requires a vested balance of at least $2000. If you should terminate your employment, you have 60 days to pay off the loan. If you fail to pay back the loan, the outstanding loan balance will be subject to current income taxes as well as a 10% early withdrawal penalty. Taking out a loan from your 401(k) plan does not require a credit check.
Hardship
If you cannot take out a loan, you may qualify for financial hardship. Proof of hardship occurring in the past 12 months and the amount owed are required. Once a hardship withdrawal is approved, your normal retirement contributions are stopped for six months. It is your responsibility to start contributions again. When it comes to this type of withdrawal, you are only eligible to withdraw from contributions you have made to your 401(k) (EE deferrals), not your employer’s match.
According to the IRS, a hardship withdrawal from your retirement account is permitted for the following reasons:
In-service Distribution
When an active employee reaches age 59 ½, the plan may offer an in‐service withdrawal option of participants elective deferrals and/or employer contributions. The Slavic401k plan document allows for in‐service withdrawal once a month during a plan year (effective January 1, 2019). An employee can withdraw his/her elective deferrals, matching and profit-sharing contributions if 100% vested. Employees have an option to do a direct rollover of this withdrawal. If the withdrawal is not directly rolled over, the distribution will be subject to 20% federal income tax (unless the distribution is coming from a Roth 401(k)). No 10% penalty applies.
Unrelated Source Distribution
An unrelated source distribution, often referred to as an unrelated rollover distribution, comes from funds that were rolled over from a previous employer. Participants can request a distribution from these funds at any time. Any distributions taken to yourself will be subject to a mandatory 20% federal income tax (unless they are coming from a Roth portion). You may be subject to a 10% early withdrawal penalty if you are under the age of 59 ½. If you chose to roll over these funds directly into another 401(k) or IRA, no taxes or penalties apply.
Exchange orders submitted before 4 p.m. EST are traded the same day on a best effort basis. Exchange orders submitted by fax, mail, or via internet after 4 p.m. EST will be traded the next business day. The next business day policy is guaranteed only if the mutual fund companies and clearing broker involved settle the trade by the next business day (T+1) or if less than 2,500,000,000 shares are traded on the NASDAQ exchange on the day you place your order or on the day after. If trading volume on the NASDAQ exceeds the limit or the outside parties cannot settle the trade as specified, your order will be processed on a best-efforts basis and Slavic401k will not be responsible for the timing, only the accuracy, of your trade. This policy is not effective for John Hancock, Lincoln, or Deutsche plans and those participants will continue to make trade requests directly to those companies. The above policy is still subject to the 14-day error notification policy following the mailing of your statement. To receive compensation for any trading error, you must notify Slavic401k in a timely fashion to allow for correction to minimize damages, if any.
Effective immediately, all Vanguard funds, with the exception of the Money Market funds, Short-Term Federal and Short-Term Bond Index, restrict participants from transferring out of a fund and back into the same fund within 30 days.
If you withdraw money from your 401(k) retirement account before age 59 ½, you must pay a 10% early withdrawal penalty in addition to income tax on the distribution. For someone in the 24% tax bracket, a $5,000 early 401(k) withdrawal will cost $1,700 in taxes and penalties.
If you are not taking an early withdrawal, you only pay income taxes on the distribution. The amount of taxes you pay is subject to your individual income tax bracket. View IRS tax brackets here.
When you withdraw your balance from a retirement account, a portion of the money is required to be sent to the IRS for taxes on your distribution. This is called tax withholding.
If you are requesting a distribution from your account, you may want to consider how tax withholding will impact the payment you receive.
A net or gross distribution refers to the way that taxes are applied to a payment.
For more information on this topic, please read What is a Net vs. Gross Distribution in our Support Center.
In order to download your transactions into Quicken:
That page also includes further requirements and instructions for downloading the file and importing it into Quicken.
*Note: this will not change your current assets – this is just for changing where your future contributions will be allocated. If you would also like your current assets to be moved into your new investment allocation, you must select “yes” on the transfer section*
Email Express is a weekly email to receive your 401(k) plan balance. It also includes helpful blog posts, tips and market commentary to help you reach your retirement goals.
To begin receiving Email Express, please log in to your account and subscribe here.
Not at this time.
Yes! You can learn more about our app and it’s capabilities here.
The maximum pre-tax contribution dollar amount is set by the IRS and adjusted for inflation annually. If you are age 50 or older, you may also make an additional catch-up contribution. View the current IRS contribution limits here.
In addition, there are special non-discrimination rules that apply to the plan. If you are a highly compensated employee, or own more than five percent of the company, contribution caps may apply.
The more you can save the better. You should maximize your company’s match if one is available and contribute as much as you can afford to budget. This will help you take full advantage of the tax deferral.
Log in to your Slavic401k account and download our ‘Rollover into Slavic401k/PlanRight Form’ located on the Forms page. Please fill out the required information and return it to us.
It typically takes 60-90 days for the transfer to take place. Your account will remain fully invested until the funds are transferred. When the transfer takes place, you will be un-invested for a few days while the accounting and assets are reconciled and invested in the new plan.
The difference between the two types of investments is when you are taxed. Pre-tax contributions and earnings are taxed when you withdraw it. If you need to withdraw money prior to age 59½ you may incur a 10% withdrawal penalty, in addition to owing current income taxes.
Roth contributions are taxed before they are invested. You do not pay taxes when withdrawing, however, if the Roth account is in place for less than five years, or you are not at least 59 ½ when you withdraw the funds, you will pay taxes on any gains.
Both Pre-Tax and Roth contributions are calculated from the gross salary.
**At Slavic401k, we do not offer plans that allow “after-tax” contributions.
There are many different reports for employers and sponsors online. Whether you need asset, audit, contributions, distributions, employer information, or participant information reports, we have dozens available to you within the sponsor portal.
A safe harbor 401(k) plan provides all eligible plan participants with an employer contribution. In exchange, safe harbor plans allow employers to avoid annual IRS non-discrimination testing, which can be costly for employers. Any 401(k) plan can be set up to include a safe harbor contribution.
Please complete the MEP Exit Policy form and email it to the address listed on the form.
You will have a specialist assigned to the merge-out within 7-10 business days after the date the request is received. A timeline for the merge-out will be set and confirmed with the new TPA. The new TPA will send blackout notices. Plan assets are wired four business days after the liquidation date. The entire merge-out process takes approximately 60 days to complete.
Please reach out to your assigned Account Representative and they will be happy to help. If you do not have an account representative, please call us at (800) 356-3009 for assistance.
Upon notification, Slavic401k will complete an Amendment Checklist. The checklist be converted into an amendment and submitted for compliance review. Once compliance review is complete, we will provide you with the amendment to sign. Once signed, the amendment will be finalized and executed.
To remove an authorized contact, please call us at (800) 356-3009.
Our Plan Sponsor Web Guide will help you understand what is available within the portal.
Adoption Agreement – this document includes the effective date of the plan, age, service requirements, matching contribution formula if any, profit sharing allocation formula if any, and vesting schedule.
Safe Harbor Addendum – required only if the company adopts a safe harbor plan design. This document will specify the type of safe harbor contribution for the plan.
Plan Evaluation Survey – includes information about company ownership, lineal relatives, highly compensated employees (HCEs), officers of the company, prior plans sponsored, and ownership of other companies.
Board Resolution – official document indicating that the owners/officers of the company are authorizing the adoption of the 401(k) plan.
401(k) Disclosure Statement – discloses certain information regarding compliance testing, fees, and choices that may be more suitable for the company instead of a 401(k) plan.
Census Information – a list of all active employees is required – including their name, date of birth, date of hire, social security number, and annual compensation for each employee.
Your payroll service transmits your deferral contribution as fast as administratively feasible and there is always a lag between the time it is deducted and when it appears on your cash basis statement. Your payroll service must compile a complete census data file, and reconcile the accounting, in order to submit each contribution. This reconciliation takes time because the file may include thousands of employees of different employers, and must be done without error to ensure plan compliance. Once the funds and the data file are received, it takes Slavic401k one to two business days to process the information and send the trade to the fund companies. The fund companies have up to three business days to settle the trade, after which you will see your contribution on your statement via the web.
As explained in the previous question, the compilation of the required data accompanying the contribution is a lengthy and complex process. Until this process is accomplished, your money remains with the plan sponsor. It cannot be invested until an electronic data file can be compiled and transmitted with the funds; after which the money is sent to a plan trust account at Slavic401k and then forwarded to the fund companies with an electronic trade file. This process usually takes one to two days at Slavic401k and during this period, interest does not accrue to you because trust accounts, by law, do not pay interest, nor does Slavic401k earn any interest on your money or remuneration of any kind. Your 401(k) plan has daily valuations and segregated accounts requiring advanced systems to provide you with this information online. Your deferral is tested before it goes to the fund companies to ensure that eligibility is met, vesting is computed, and that you haven’t exceeded certain deferral limits. If the Sponsor could increase the frequency of transmissions, the cost of the plan might go up because more processing time would occur; this is a cost-benefit decision that the plan sponsor determines in establishing the frequency. For these reasons, your deferrals are being invested as cost-effectively and as fast as administratively feasible.
Your distribution options are the same whether you voluntarily leave or are terminated. If your account balance is more than $5,000, you can leave your money in the plan. If you want to take your money with you, your vested account balance can be rolled into another 401(k) plan with your employer or put into an IRA. There are no tax penalties when your 401(k) is rolled over. If you cash out your 401(k), there is a 20% tax and possible 10% penalty. If you have an unpaid loan and request a distribution to yourself, the loan will be deducted from your balance paid out and be subject to a 20% mandatory tax, and possible 10% early withdrawal penalty.
| 2025 Limits | 2024 Limits | |
| Annual Additions Maximum (415 Limit) | $70,000 | $69,000 |
| Employee 401(k) Contributions (402(g) Limit) | $23,500 | $23,000 |
| Catch-Up Contributions (Age 50 or Older) | $7,500 | $7,500 |
| Catch-Up Contributions (Age 60 – 63) | $11,250 | $7,500 |
| Highly Compensated Employee Threshold | $160,000 | $155,000 |
| Key Employee Threshold | $230,000 | $220,000 |
| Annual Compensation (401(a)(17)) Limit | $350,000 | $345,000 |
| Social Security Wage Base | $176,100 | $168,600 |
Your first contribution depends on the following:
To calculate how much your contributions will affect your take home pay, you can start by multiplying your pay period income by your contribution rate to know how much money will be contributed to your 401(k) account each pay period.
For example, if your gross pay (the amount before any taxes or benefits deductions) is $1,000 and you contribute 10%, $100 is deducted from your pre-tax paycheck and deposited into your 401(k) account.
The $100 contribution to your 401(k) is deducted from your paycheck pre-tax, so the impact on your take home pay will be less than $100 as those funds are not taxable by the government.
Typically, once your first contribution is deducted from your paycheck, it will take 1-2 weeks to reflect on your account.
The initial contribution filing process is complex, involving multiple parties and hundreds to even thousands of files within the plan. Your payroll company sends all of those files to Slavic401k. Then, our Trading Department tests the files to ensure all participants meet the qualifications of the plan, as well as to resolve any errors before posting the initial contribution to online accounts.
All 401(k) plans have fees, including your old plan. Usually these fees consist of three parts:
The first two categories of fees are almost always part of the ongoing expenses paid out of the account balances of the plan. Historically, most providers have not completely disclosed these costs to the participants. While it may appear that your old plan had no fees, the fact is they were not disclosed to you. It is common practice for 401(k) plan providers to net fees against investment earnings, making them difficult to monitor.
Slavic401k is proud of the fact that we disclose all fees as a line item dollar amount on participant statements and on the website. Your new plan is fully transparent, and in most cases, significantly less in cost compared to your old plan.
Annual recurring plan fees are deducted from participant accounts on a quarterly basis. Specific amounts vary from plan to plan.
These fees may cover the plan’s administrative expenses and service-provider fees including IRS 5500 filings, record-keeping, accounting, legal, customer service, and contribution processing. They are categorized as the following: fixed admin fee, asset-based fees, and activity fees.
Form 5500 Annual Return/Report is due the last day of the seventh month after the plan year ends (July 31 for a calendar year plan), with an additional 2 ½ months extension if Form 5558 Application for Extension of Time to File has been submitted (October 15th with an extension).
Slavic401k will file the Form 5558 Application for Extension of Time to File on your behalf if an extension is needed.
A 401(k) plan with fewer than 100 participants (on the first day of the plan year) that meets all of the eligibility conditions is considered a “small plan” filer and can file Form 5500-SF. A plan with more than 100 participants (on the first day of the plan year) is considered a “large plan” filer and must file Form 5500 and complete all applicable schedules and attachments.
NOTE: Pooled Employer Plans (PEPs) can only file the Form 5500 and are restricted from filing Form 5500-SF.
A plan participant is any employee eligible to participate in an employer’s retirement plan when certain eligibility conditions stated in the plan document are met. A participant is also an employee or former employee (terminated employee) of an employer who is or may become eligible to receive a benefit from an employee benefit plan. The number of participants at the beginning of the year determines which 5500 form must be filed.
For those plans which do not fall under the notable exception (80/120 rule) and are considered a “large plan filer,” Schedule H must be completed in addition to any other applicable schedules and attachments. Slavic401k will prepare a complete signature-ready Form 5500 for you to file with the EBSA.
An independent audit must be attached to the completed Form 5500 before it is electronically filed. The plan sponsor is responsible for engaging the author to prepare the independent audit.
To avoid penalties for failing to complete the Form 5500 or ramifications of filing late, plan sponsors should take the time to understand the requirements for a retirement plan audit well in advance of the filing deadline.
An audit is required for large plan filers and may be deferred but not eliminated for plan years of seven (7) months or less (due to initial year of the plan, merger, or change of plan year). The short plan year does not eliminate the audit requirement; it only defers the audit requirement until the following year.
In the year in which the audit will be required, the audit will cover the full plan year and the short period. Additionally, Form 5500 must still be filed for the short plan year.
The IRS will receive your filing, but the DOL will send a Notice of Rejection (NOR), usually within a few weeks of submission. This notice informs the plan sponsor that the submission is “delinquent” and that the DOL will issue penalties if it is not corrected timely. The plan sponsor has 30 days from the date of the letter to respond. The plan sponsor can respond to the NOR, explain the circumstances of what is going on, and request an extension. Only during the NOR process can you request an extension and have a chance of avoiding a penalty.
Please note Schedule H, line 3 specifically asks for information regarding the plan’s independent auditor’s report. If you do not submit the required independent auditor’s report, these questions must still be answered correctly. If you have to file Form 5500 without the required independent auditor’s report, correct that error as soon as possible.
Failure to file timely can result in significant DOL and IRS fees and penalties.
Employers can avoid non-discrimination testing (ADP, ACP and Top Heavy) by adopting a safe harbor 401(k) plan. Adopting a safe harbor plan allows highly compensated employees (HCEs) and key employees of the company to contribute the maximum amount allowed by law.
Employer contribution requirement: Employers must make either a safe harbor matching contribution or a safe harbor non‐elective contribution.
Vesting Requirement: Safe harbor contributions must be 100% vested.
Notice Requirement: Each participant must receive a written notice describing the safe harbor options the employer will use for the plan year 30 days in advance and annually thereafter. According to the SECURE Act, there is no need for safe harbor notices for non‐elective plans, including QACA non‐elective plans.
Adoption Requirement: The Internal Revenue Service (IRS) requires the first plan year of a newly established safe harbor 401(k) plan (other than a successor plan) to be at least 3 months long.
Exception: Employer Created Within Last 3 Months of the Year
The initial year of a safe harbor 401(k) plan can be shorter than 3 months in the case of a newly established employer if the business establishes the plan as soon as administratively feasible, after the employer comes into existence. For example, New Biz is incorporated on November 1, 2019. New Biz can establish a safe harbor 401(k) plan that operates for the last 2 months of 2019.
An employer with an existing non‐safe harbor plan must make the election to adopt a safe harbor plan design before December 1st in the year preceding the safe harbor plan year. Safe harbor provisions must be in effect for 12 months (effective January 1st).
Exception: The SECURE Act permits employers to add a safe harbor feature to their existing 401(k) plans once the year has started, if they contribute at least 4 percent of employees’ pay instead of the regular 3 percent. This flexibility will help employers to correct failed ADP/ACP or top‐heavy tests by shifting to a safe harbor plan and making a 4 percent nonelective contribution to participants.
Distribution Restrictions: Safe harbor contributions cannot be distributed before an employee terminates employment or reaches age 59 ½.
No, you do not have to create a new account. You can log in with your current username and password.
You have two options:
We changed our login process to improve the security of your account, to enhance user experience, and to simplify password reset.
No, you do not have to sign in using the social account feature. This is an additional way to log in to your account.
A Multiple Employer Plan levels the playing field between small and medium-sized businesses and large corporations, and allows for equality in retirement savings solutions for their employees. The main benefits of an MEP come from harnessing the power of many. With multiple employer plans, the employers benefit from pooled plan provider resources – leading to shared costs and reduced fiduciary liability, providing economical access to superior fund lineups while minimizing fiduciary and administrative burden.
MEPs also help smaller employers attract and retain top talent they may otherwise lose to an employer who can offer a more competitive benefits package.
A standalone Single Employer Plan (SEP) is a traditional 401(k) plan adopted by one employer. While standalone plans are a great retirement savings plan option for many companies due to their customization and flexibility, they can sometimes be more costly and time consuming, depending on many factors that are at the employer’s discretion.
SEPs typically work well with larger employers or employers who have a need for complex plan designs that allow different benefit structures for different groups of employees, or employers who have formally merged plans with protected benefits. Single Employer Plans offer businesses maximum flexibility for businesses with more complex needs.
A Pooled Employer Plan (PEP) is a 401(k) solution where many different companies—ranging from small businesses to larger entities—participate in a master plan, while still maintaining plan customization offering a tailored retirement strategy at the adopting employer level. There is no need to have a common “nexus” as there is in a Multiple Employer Plan (MEP), which broadens the scope for any participating employer.
The PEP approach not only fosters a community of financial security but also reduces the administrative burden, making it a valuable retirement planning vehicle for businesses of all sizes.
IRAs are accounts held by a financial institution that an individual can use to save money for retirement – by investing in things like stocks, bonds, and real estate property. These tax-deferred accounts come in different varieties such as: Traditional IRA, Roth IRA, Rollover IRA, and more.
Traditional IRAs allow you to make pre-tax contributions up to the annual limit determined by the Internal Revenue Service (IRS). The contributions made into the account may be fully or partially deductible on a tax return, depending on factors such as annual income and filing status. With this account, the owner won’t pay income taxes until the funds are withdrawn.
Similar in structure, a Roth IRA offers tax benefits for account owners. Because investments are taxed up-front, the account grows tax-free until the owner is ready to withdraw them in retirement.
Because many IRAs and 401(k) plans have similar structures, there are some pros and cons for each that you should note to help you make the right financial decision.
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Advisory services provided by Slavic Mutual Funds Management Corporation, an SEC-registered investment adviser. Registration does not imply a certain level of skill or training on the part of SMF or its representatives. Administration and record-keeping services are offered through Slavic Integrated Administration. Both entities are collectively referred to as “Slavic401k.”
No content published throughout this site should be considered by the reader to constitute any type of investment advice. It is not the intention of Slavic401k nor should the reader assume that any reference herein to any particular investment, asset mix, security, portfolio of securities, transaction or investment strategy should be construed as investment advice. To the extent any of the content published as part of the Services may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. No chart, graph, or other figure provided should be used to determine which securities to buy or sell. Any specific questions that you might have concerning your individual investment decisions should be addressed to your personal investment advisor. Moreover, nothing herein should be considered as legal or tax advice. If you have any questions or concerns relative thereto, you should consult a qualified professional.
For more details on Slavic Mutual Funds Management Corporation, see our About Us page. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Neither diversification nor asset allocation ensure a profit or guarantee against a loss.
