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What are the major 401(k) adoption deadlines for 2021 and 2022?

Updated: Feb 1

October 1, 2021

NEW 401k plan: Deadline to adopt a safe harbor 401(k) plan for 2021.


December 2, 2021

EXISTING 401k plan: Deadline to adopt the amendment necessary to convert a traditional 401(k) plan to a 3% nonelective safe harbor plan for 2021.


March 15, 2022

NEW 401k plan*: Deadline for S-Corps and partnerships (or LLCs taxed as either) to adopt a traditional 401(k) plan for 2021 (assuming NO tax return extension is filed).


April 15, 2022

NEW 401k plan*: Deadline for C-Corps and sole proprietorships (or LLCs taxed as either) to adopt a traditional 401(k) plan for 2021 (assuming NO tax return extension is filed).


September 15, 2022

NEW 401k plan*: Deadline for S-Corps and partnerships (or LLCs taxed as either) to adopt a traditional 401(k) plan for 2021 (assuming a tax return extension is filed).

October 15, 2022

NEW 401k plan*: Deadline for C-Corps and sole proprietorships (or LLCs taxed as either) to adopt a traditional 401(k) plan for 2021 (assuming a tax return extension is filed).


December 31, 2022

EXISTING 401k plan: Deadline to adopt the amendment necessary to convert a traditional 401(k) plan into a 4% nonelective safe harbor plan for 2021. *You may make a company contribution for the prior year; however, salary deferrals are not permitted to be made retroactively

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