HR screwed up my 401k. Won’t respond. Options?

Anonymous

December 21,2024 at 10:53AM UTC

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HR screwed up my 401k. Won’t respond. Options?

im over 50 and eligible for catch up contributions to max out. I have documented proof that I elected a certain number of $ each paycheck be contributed to the ROTH 401k option. They started early in the year, and it was evident in paystubs. I just realized that after a short time, they started to direct my $ to Traditional 401k plus, a few weeks ago, they stopped taking contributions— at the younger person’s max. I’ve emailed via out ticket system, and have been told they are looking into it— and they arranged for this week ( yesterday) pay to have the ROTH max contributions reinstated. My check shows nothing taken out. After repeated no- replies, I had to cc a manager, explaining that I’m running out of time and my messages continue to go with no response. They screwed up with about $27k of my money. im

leaving Dec 27th. Questions:

Can my ROTH vs trad 401k issue be fixed?

Can they take retro contributions since hey are doing nothing now?

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AnonymousDecember 21,2024 at 4:15PM UTC
The IRS Rules are very tight and rigid...And switching or undoing previous contributions are not be allowed. Sadly, you may be stuck with this "mess", however speak with your Tax Advisor
AnonymousDecember 22,2024 at 1:01AM UTC
You might need an attorney.
AnonymousDecember 23,2024 at 1:09PM UTC
Go the company that this is with today, get it rolling with communication even with the holiday coming up. I would copy your manager's manager and your HR contact along with their manager (even if it's the owner) and get this going. Sounds like it should have been addressed long before now, to be honest, but this is where you're at. Take action.
AnonymousDecember 23,2024 at 3:40PM UTC
This is a mess up by HR, the company needs to fix this

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