Cycle 4 plan restatement deadline — a 401(k) plan document binder beside a calendar marking September 30, 2028
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Cycle 4 Plan Restatement Deadline: When Must You Adopt?

BySW Accounting admin

When is the Cycle 4 plan restatement deadline? The IRS set it at September 30, 2028. If your business sponsors a pre-approved 401(k) or profit-sharing plan, you must adopt the newly updated plan document by that date. The Cycle 4 plan restatement keeps your plan’s tax-qualified status intact. If your company offers a 401(k), profit-sharing,…

Illustration of 401k alternative investments — a 401(k) briefcase beside puzzle pieces labeled private equity, private credit, and crypto
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401k Alternative Investments: DOL Proposal & Fiduciary Guide

BySW Accounting admin

Can employers put private equity, private credit, or crypto into a 401(k) plan? Federal policy is opening the door. The Department of Labor has proposed a rule and the White House has issued an executive order that together make it easier to add 401k alternative investments to plan menus — but ERISA’s fiduciary duties still…