Search found 679 matches

by icedtea
Sat May 27, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k over contribution and 1099R
Replies: 7
Views: 425

Re: 401k over contribution and 1099R

The issue I posted above still hasn't been resolved. It's been about 3 months now. Here's a little update. It turns out in March 2016 my former company's plan admin submitted a double payment to Ubiquity for some of the employees and when Ubiquity refunded the excess, they apparently sent the money ...
by icedtea
Tue Apr 25, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401k over contribution and 1099R
Replies: 7
Views: 425

Re: 401k over contribution and 1099R

This is a different situation than a normal excess deferral. Normally, this can only occur when when you work for more than one employer. The corrective actions in this case are directed at the employee. It is the employee's responsibility to remove the excess deferral and earnings This particular ...
by icedtea
Tue Apr 25, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: 401k over contribution and 1099R
Replies: 7
Views: 425

Re: 401k over contribution and 1099R

This is a different situation than a normal excess deferral. Normally, this can only occur when when you work for more than one employer. The corrective actions in this case are directed at the employee. It is the employee's responsibility to remove the excess deferral and earnings This particular ...
by icedtea
Tue Apr 25, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k over contribution and 1099R
Replies: 7
Views: 425

401k over contribution and 1099R

I overcontributed to my 401k in 2016. My company and I have been working with the 401k provider and our payroll provider for a few months trying to sort out the issue, and it's dragged and dragged. The overcontribution came from the fact that, apparently, Ubiquity's Contribution History view on thei...
by icedtea
Mon Apr 17, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

If you file an extension you have until 10/16/2017 to remove or recharacterize your 2016 contribution. Realistically, since you must file your return by that date also, the practical deadline for your decision would be in late September. If you do not file the extension OR the return by 4/18, then ...
by icedtea
Fri Apr 14, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

For the 2017 contribution, you might want to withdraw it now with allocated earnings. Earnings will be taxable in 2017, and you will get a 1099R coded 8 next January. If you end up in the phaseout range again this will eliminate the removal from altering your allowed contribution again. Next year y...
by icedtea
Wed Apr 12, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

For the 2017 contribution, you might want to withdraw it now with allocated earnings. Earnings will be taxable in 2017, and you will get a 1099R coded 8 next January. If you end up in the phaseout range again this will eliminate the removal from altering your allowed contribution again. Next year y...
by icedtea
Tue Apr 11, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

Beyond these tactical steps, is there some way to estimate the advantage of doing all these steps vs simply withdrawing the 2016 excess via Vanguard, paying the penalty, and doing it again for 2017 excess when I file taxes in early 2018? I feel like the above approach is pretty complex for me, so I...
by icedtea
Tue Apr 11, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

I got an answer from the 401k provider. They allow rollover from TIRA pretax money to the traditional 401k. They also allow post-tax TIRA to their Roth 401k. That highlighted part can't be. It's against the law to roll post-tax TIRA money into a qualified plan. You also can't roll Roth IRAs into Ro...
by icedtea
Tue Apr 11, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

FIrst, find out if your plan accepts ALL TIRA pre tax money. If they limit to only rollover IRAs, recharacterize the Roth contributions into a separate TIRA so you do not wipe out your rollover IRAs with recharacterized contributions. The earnings and dividends are immaterial. Other than these cont...
by icedtea
Sat Apr 08, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Free FICO score?
Replies: 16
Views: 1136

Re: Free FICO score?

MikeG62 wrote:I believe discover will show you your FICO score regardless of whether you are a customer or not.


Thanks Mike, I found it. Nice to see this is available from them. Great way to build loyalty and attract new customers, too.
by icedtea
Sat Apr 08, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Free FICO score?
Replies: 16
Views: 1136

Free FICO score?

I'm looking for a way to get a free FICO score. My Cap One Visa comes with a free Vantage score but that's not what I really want, from what research tells me. Credit Karma also offers the Vantage, and I signed up but then immediately cancelled after reading a bunch of bad news on BBB and consumer r...
by icedtea
Sat Apr 08, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

If you roll your pre tax IRA dollars into the 401k, it looks like you would be roughly paying about $475 pre tax per year in higher ERs in the 401k. It's probably worth considering in light of what you could then do: 1) Contribute 5500 as a non deductible TIRA contribution and convert it to Roth ta...
by icedtea
Wed Mar 22, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

wait a minute. icedtea, If you have access to a 401k starting next month, then you could max it out with $18K and that should reduce your income enough to allow a full 2017 Roth Contribution. Even if I contribute 18K, I suspect I won't be able to contribute the full Roth. In 2016 I max'd 401k and s...
by icedtea
Wed Mar 22, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

Do you know enough about your new plan and whether you CAN or WANT TO roll your pre tax TIRA balance into that plan this year? If you do that you could then recharacterize your 2016 Roth excess as a TIRA non deductible TIRA contribution and convert it back to Roth tax free. That would solve the ann...
by icedtea
Sat Mar 18, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

The earnings you withdraw are taxable in the year you made the contribution (2016). That means your MAGI goes up another 255 on your 2016 return and the FURTHER REDUCES your allowed 2016 Roth contribution. So it's a chicken and egg situation. There are two approaches possible to deal with this. 1) ...
by icedtea
Mon Mar 13, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

Any help on this one? I got through to Vanguard and they said they couldn't tell me the gains on the excess contribution until the next day. They said I needed to decide if I wanted to do a recharacterization to TIRA or just remove the excess and gains before they would be able to process this and i...
by icedtea
Sun Mar 05, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

In case the above route doesn't make sense in the end, can you point me to guidance online regarding how I can calculate the gains on my excess Roth contribution from 2016? With mutual funds at Vanguard, Vanguard will calculate the earnings for you. I don't believe you have the option of ignoring V...
by icedtea
Sun Mar 05, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help w/ Foreign Tax Credit for Over $300
Replies: 12
Views: 1499

Re: Help w/ Foreign Tax Credit for Over $300

So your 1099-DIV says that the fund received 659.10 of dividends, with 43.47 withheld as foreign tax, and paid 615.63 to you. The foreign income is 659.14, which is within rounding error of 659.10. Likewise, the QDI-eligible foreign income of 473.89 is within rounding error of the actual reported Q...
by icedtea
Sun Mar 05, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help w/ Foreign Tax Credit for Over $300
Replies: 12
Views: 1499

Re: Help w/ Foreign Tax Credit for Over $300

Carrying over info from my other thread here... Foreign tax = Income dividend* x 0.07061 Foreign income = Total foreign tax x 15.16314 QDI-eligible foreign income = Total foreign tax x 10.90146 These instructions aren't too clear to me. Is 'foreign tax' the 'foreign tax paid' amount on my 1099-DIV? ...
by icedtea
Sun Mar 05, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

Foreign tax = Income dividend* x 0.07061 Foreign income = Total foreign tax x 15.16314 QDI-eligible foreign income = Total foreign tax x 10.90146 These instructions aren't too clear to me. Is 'foreign tax' the 'foreign tax paid' amount on my 1099-DIV? What is the ticker symbol of your fund? How muc...
by icedtea
Sun Mar 05, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Help w/ Foreign Tax Credit for Over $300
Replies: 12
Views: 1499

Help w/ Foreign Tax Credit for Over $300

I had this info in a different thread that someone else started, and I'm reposting it here with a better headline in hopes it gets more attention. For the first time ever, my foreign tax credit from my Vanguard mutual funds exceeds $300. I'm using Tax Act and need to fill out form 1116. Under Credit...
by icedtea
Sun Mar 05, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

No offense but if for tax help this forum was just a place to be told to go read the form instructions for the given issue, then it wouldn't be a very helpful forum. None taken. Even though I linked vanguard's page on foreign source income, did not the supplemental pages to your Vanguard Form 1099-...
by icedtea
Sun Mar 05, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

I've edited this post substantially since I first published it OP here again. For calculating gains on an excess contribution, I found this info: https://www08.wellsfargomedia.com/assets/pdf/personal/goals-retirement/taxes-and-retirement-planning/correct-excess-IRA-contributions.pdf Does anyone kno...
by icedtea
Sun Mar 05, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

Try them all on three different copies of your tax return for 2016. Or read the instructions for Form 1116 found at irs.gov. I read Form 1116 twice now and I still don't follow this. Not the form, but the instructions to the form. Also isn't there a separate IRS publication on the foreign tax credi...
by icedtea
Sun Mar 05, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

Try them all on three different copies of your tax return for 2016. Or read the instructions for Form 1116 found at irs.gov. I read Form 1116 twice now and I still don't follow this. I tried starting the Created Input Worksheet and bypassed the first two screens to skip the AMT part. I then get to ...
by icedtea
Sun Mar 05, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

Just bringing this topic back to the top of the board. I still don't know what to do in TaxAct to get the foreign tax credit. This year i'm over $300 for the first time. Any ideas? If you reported more than $300 of foreign tax withheld on your Form 1099, TaxAct will ask you for the information you ...
by icedtea
Sat Mar 04, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

Yes, major issue. Because you have the rollover IRA which is probably entirely pre tax, your back door Roth conversion will be mostly taxable. You cannot isolate your conversion to the after tax contribution amount unless you were to roll the pre tax balance of your TIRA into your employer plan. Th...
by icedtea
Sat Mar 04, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

Just bringing this topic back to the top of the board. I still don't know what to do in TaxAct to get the foreign tax credit. This year i'm over $300 for the first time. Any ideas?
by icedtea
Mon Feb 27, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

Do you really have to deal with AMT this year? Really? Really really? If yes, then how to do you know? I think so, unless there's some other way to get the credit? There are many ways to get the credit as described in the instructions. I haven't paid AMT in years and years, yet I always get the ful...
by icedtea
Mon Feb 27, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 1181

Re: Help with 2016 taxes

...................................... 4. Wages - Excess Social Security Tax Act says my total social security withholding is over the maximum amount required, and the software applied the difference to reduce my taxable income. How does this happen? Is it an issue the employee can avoid? ............
by icedtea
Mon Feb 27, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

livesoft wrote:Do you really have to deal with AMT this year? Really? Really really? If yes, then how to do you know?


I think so, unless there's some other way to get the credit?
by icedtea
Mon Feb 27, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Re: Recharacterization madness: Roth excess contribution --> TIRA --> Roth

Do you have any TIRA balance at this time? You have contributed 5500 to a Roth for 2016. Have you made a 2017 contribution yet? If not, when do you plan to? I have a TIRA balance. It stems from various 401k rollovers. Is that going to be an issue for this strategy? I already made my 2017 Roth contr...
by icedtea
Mon Feb 27, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization madness: Roth excess contribution --> TIRA --> Roth
Replies: 32
Views: 2246

Recharacterization madness: Roth excess contribution --> TIRA --> Roth

I just learned that I made excess Roth IRA contributions in 2016 and 2017. I'm glad my income level has gone up. In the process I now know I can't simply keep putting $5500 into my Roth every year. I got some help on this forum in another thread about my options, and it seems what may be best is if ...
by icedtea
Mon Feb 27, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 1181

Re: Help with 2016 taxes

jebmke wrote:the re-characterization should not be considered a contribution


thanks that's good news.
by icedtea
Mon Feb 27, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 22
Views: 2353

Re: Question on AMT- Simplified Election Foreign Tax Credit

Thanks. I searched my 2013 federal tax return and did not find a form 1116 attached. Not sure if it was because the foreign tax credit was only 2$.... Does that mean I should choose "first year election" and then choose simplified? Thanks. totally confused... Did you see Intuit's answer: ...
by icedtea
Mon Feb 27, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 1181

Re: Help with 2016 taxes

After a recharacterization, you can possibly do a Roth conversion. There are requirements for that, so don't do a conversion without understanding what you are doing. This would essentially be a so-called Back door Roth IRA conversion which is discussed muchly on the bogleheads.org forum and elsewh...
by icedtea
Mon Feb 27, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 1181

Re: Help with 2016 taxes

I don't understand how option 1 could ever work. Aren't traditional and Roth IRA contributions (separate or combined) limited in the same way as a lone Roth IRA contribution? When could you ever recharacterize the excess Roth into a Traditional and avoid these limits? The total TIRA contribution wi...
by icedtea
Mon Feb 27, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 1181

Re: Help with 2016 taxes

2. You apparently over contributed to a Roth IRA now for two years. There are penalties until it is corrected, so you will want to search the forum for how to correct both of them or read the IRS instructions on this. I read some info on the IRS site and came upon this nice summary. http://www.obli...
by icedtea
Mon Feb 27, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 1181

Help with 2016 taxes

I have pretty simple taxes this year, but as usual I came across a few things that weren't completely seamless. Can you give me a hand? I'm using Tax Act. 1. Sale of Mutual Fund Shares For my 1099-B, the software asks if I want to check this option: "Check here to treat gain/loss as ordinary in...
by icedtea
Fri Feb 17, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: FSA: leaving job mid-year, can employer come after me for contributions?
Replies: 13
Views: 1263

Re: FSA: leaving job mid-year, can employer come after me for contributions?

As I understand it, 100% of the FSA funds are available to you as of January 1st, even if you have not yet contributed that amount. As such, the employer cannot "claw back" any of the funds if you leave before the end of the year. The whole year's funds were available to you as of January...
by icedtea
Fri Feb 17, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: FSA: leaving job mid-year, can employer come after me for contributions?
Replies: 13
Views: 1263

FSA: leaving job mid-year, can employer come after me for contributions?

Hi, In the past when I left a job midyear I spent all the remaining funds in my FSA, even though I hadn't contributed to cover some of them. Never had any issues with this, never heard from the employer. I'm in this situation again now with my current employer. They are a tiny company and only a cou...
by icedtea
Fri Jan 27, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: HCE: What to expect when having to pay tax on excess 401k contributions
Replies: 15
Views: 1265

Re: HCE: What to expect when having to pay tax on excess 401k contributions

If no NHCEs contribute and they aren't excluded in the test, then all of the deferrals HCEs contribute would be refunded. ETA: it is possible that an HCE could reclassify part of his/her refund amount as a catch-up contribution if he/she met the requirements for catch-up. I just read somewhere that...
by icedtea
Fri Jan 27, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: HCE: What to expect when having to pay tax on excess 401k contributions
Replies: 15
Views: 1265

Re: HCE: What to expect when having to pay tax on excess 401k contributions

The OP here. Another group of questions and I could use help with. How is HCE and compliance handled if you are with a company for only say 2 months of a calendar year, and in that period you contribute say $10k into the 401k. Does the HCE calculation to determine any penalties based your contribut...
by icedtea
Fri Jan 27, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: HCE: What to expect when having to pay tax on excess 401k contributions
Replies: 15
Views: 1265

Re: HCE: What to expect when having to pay tax on excess 401k contributions

The OP here. Another group of questions and I could use help with. How is HCE and compliance handled if you are with a company for only say 2 months of a calendar year, and in that period you contribute say $10k into the 401k. Does the HCE calculation to determine any penalties based your contributi...
by icedtea
Thu Jan 19, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: HCE: What to expect when having to pay tax on excess 401k contributions
Replies: 15
Views: 1265

Re: HCE: What to expect when having to pay tax on excess 401k contributions

FYI - the employer could give the NHCEs a Qualified Nonelective Contribution (QNEC) to bring the plan into compliance, but that rarely happens. The amount depends on how badly the nondiscrimination test fails. The plan would have to allow for it, but there's no reason not to have the option. You me...
by icedtea
Mon Jan 16, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: HCE: What to expect when having to pay tax on excess 401k contributions
Replies: 15
Views: 1265

Re: HCE: What to expect when having to pay tax on excess 401k contributions

Yes, it will be some day before March 15th, if it occurs. The purpose of the anti-discrimination rules are just that. To prevent those with higher incomes (especially the owners) from contributing at a higher rate than those with lower incomes. If there is no one with lower incomes, there is no one...
by icedtea
Mon Jan 16, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: HCE: What to expect when having to pay tax on excess 401k contributions
Replies: 15
Views: 1265

Re: HCE: What to expect when having to pay tax on excess 401k contributions

It will be must sooner than mid-year. IRS regulations require the 401k plan to refund excess contributions due to testing failure by March 15th. You will receive a check for the excess contribution and earnings. The contribution will be taxable unless it was a Roth deferral. The earnings are always...
by icedtea
Mon Jan 16, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: HCE: What to expect when having to pay tax on excess 401k contributions
Replies: 15
Views: 1265

HCE: What to expect when having to pay tax on excess 401k contributions

I'm now considered a Highly Compensated Employee HCE by the IRS and my employer's 401k only has a small number of participants, most of which are also HCEs. So, I expect for the 2016 FY we are going to get letters mid-2017 stating that we over-contributed to our 401ks, in comparison to the non-HCEs ...
by icedtea
Tue Jan 10, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Avoid Ubiquity Savings as 401(k) provider until they fix Mar/Apr 2016 problems
Replies: 55
Views: 9173

Re: Avoid Ubiquity Savings as 401(k) provider until they fix Mar/Apr 2016 problems

My company has a 401k with Ubiquity. I just contributed a large sum in my Dec paycheck (paid monthly) to max for the year, and for some reason the contribution posted on Jan 3rd 2017. These guys are awful. I assume I don't have any recourse to make it a 2016 contribution? My paycheck was dated Dec ...

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