Videos
Participant Automatic Enrollment (Webinar)
Starting January 1, 2025, 401(k) automatic enrollment will be mandatory for all new plans. Watch this webinar to learn what this means.
Are you a plan participant, employer or sponsor?
Sign up for online access here. Please make sure to use a phone number that can receive text messages for multi-factor authentication.
Did you take a distribution in the prior year?
A blackout period is a period of three or more consecutive business days where participants cannot make election investment changes, take distributions or obtain loans.
Is your plan in a blackout period?
Did you receive any of these messages?
Some of the most common reasons this error occurs include:
Please also ensure you are utilizing the below link when logging in: https://ww2.slavic401k.com/account/sign-in/
If none of these troubleshooting tips fix the problem, you can reset your user name and password here. Please contact us at (800) 356-3009 if you need further assistance.
Employers can log in to their plan here.
What are you looking for?
For General Information:
If you would like to change your investment allocations, you may do so online by completing the steps below:
Please Note:
This will not change your current assets; this is only for changing where you allocate your future contributions. If you would also like your current assets to move into your new investment allocation you must select yes on the transfer section.
If the request occurs before 4 p.m. ET,
our team will begin processing it the same day.
If the request occurs after 4 p.m. ET,
our team will begin processing it the following day. Please allow us 1-2 business days to complete the request.
Would you like to request a new distribution or get information on an existing one?
Are you currently employed by the company and payroll provider that provided your 401(k)?
Are you age 59 ½ or older?
You can view the status of your distribution request by following the steps below:
Please be aware that distribution requests take 10-15 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.
Do any of these hardship reasons apply to you?
You meet the initial IRS qualifications for hardship. Please follow the instructions below to apply.
Please be aware that hardship requests take 10-15 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.
Unfortunately, you do not meet the IRS requirements for a hardship distribution. However, you may qualify for a loan from your 401(k).
If you do not qualify for a hardship or a standard distribution, you can apply for a loan from your 401(k).
Are you currently employed by the company who provided your 401(k)?
You meet the initial IRS qualifications for a loan. You must also have a minimum account balance of $2,000 and take a loan of $1,000 to qualify. Please follow the instructions below to apply.
Please be aware that loan requests take 10-15 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.
You do not meet the initial IRS qualifications for a loan from your 401(k). However, you may be eligible to take a distribution or rollover. Please watch this video on how to make a distribution/rollover request online.
What would you like to do?
Please follow these instructions:
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.
Open an account with SlavicIRA here. Once the account has been opened, you may transfer your old 401(k) funds into the IRA.
You will be asked to complete the following steps:
To protect your retirement savings, many recordkeepers will only process distributions via check.
Once the money arrives in your account, you will receive an email prompting you to login and customize your investments.
Are your assets leaving or merging into Slavic401k?
Please contact us at (800) 356-3009 for further assistance.
You have access to all plan forms online. Follow these steps to access them:
Please Note:
Some of the forms have online processes that may be accessed in your participant portal.
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 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 may go up because more processing time would occur; that 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 resolve any errors before posting the initial contribution to online accounts.
Starting January 1, 2025, 401(k) automatic enrollment will be mandatory for all new plans. Watch this webinar to learn what this means.
Secure 2.0 mandates Automatic Enrollment in retirement plans, boosting access and participation. We explore the logistics for employers.
Watch this webinar to learn 401(k) investment basics and choose the right funds.
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Distributions 101: In this webinar we share expert advice on distribution rules, 401(k) loans, hardship withdrawals, and rollover strategies.
Retirement Savings 101: In this webinar we share expert insights and actionable strategies to make the most of your retirement plans.
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.
