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toddthebod wrote: ↑Mon Feb 13, 2023 7:17 pm It appears to be in their plan document. The plan only accepts rollovers of "rollover contributions" to your IRA.

Thank you for digging into the plan documents and finding this language. It's good to know that I could do a workaround by first rolling the Traditional IRA into a Solo 401(k) with a different provider, and then rolling back to Fidelity. Although I'm not sure it's worth the hassle right now just for the backdoor Roth.

pizzy wrote: ↑Mon Feb 13, 2023 4:39 pm By commingled, I believe they mean "deductible" and "non-deductible" contributions.

I clarified with the person on the phone that this was all pre-tax contributions. They said because it was not a Rollover IRAs, but a Traditional IRA that contained funds from multiple sources, they consider it commingled and I can't roll it over to the Solo 401(k).

Perhaps it's because they can't really prove that the funds don't include pre-tax, and don't have visibility into the history of the account. FWIW this is an IRA that I transferred to Fidelity from Betterment. I had rolled 3 different 401(k)s into it when it was at Betterment.

Update: I just called Fidelity and they told me that I can't rollover my Traditional IRA into a Solo 401(k) because it has commingled assets. This IRA contains assets from multiple 401(k) rollovers. I wish I would known to keep my Rollover IRAs separate.

Am I correct in thinking that I'm basically out of luck and there's no good way for me to configure my accounts to allow for a backdoor Roth IRA contribution without pro rata? Or do other Solo 401(k) providers allow for bringing in commingled funds?

toddthebod wrote: ↑Sun Feb 12, 2023 6:01 pm You cannot do Roth conversions for the prior year, though, and the pro rata rule specifically uses the balances of your IRAs on 12/31, so you do not appear to gain anything in that regard.

Got it. I think I’ll just plan to do this for 2023 and keep things simple. Thanks for the information.

Would it be possible for me to do all of this for tax year 2022? It seems like there might be time to get the accounts opened and transferred before the tax filing deadline. Or does the solo 401(k) have to be established within the calendar year in order for me to make a 2022 “employer” contribution into it?

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