Roth Solo 401(k)
Solo 401(k) sub-account funded with after-tax employee deferrals (and now employer contributions per SECURE 2.0).
Definition
A Roth Solo 401(k) accepts after-tax employee deferrals (post-2024 also after-tax employer matching/profit-sharing per SECURE 2.0 Act). Qualified withdrawals after age 59½ and 5-year holding period are tax-free. Roth and traditional sub-account assets are aggregated for the $250,000 Form 5500-EZ threshold.
Why it matters
For IRS Form 5500-EZ, this term helps decide which records, dates, values, or review questions belong in the packet.
How the tool uses it
Solo 5500 treats this as a review signal. The user enters the facts, checks the source-linked explanation, reviews the packet, and files through the official channel when the supported case still fits.
When to check the source
Check the official source when the answer depends on eligibility, late filing relief, official correspondence, valuation, or a fact you cannot verify from your own records.
Source and review date
Last reviewed: . Use the linked source for the official wording behind this term.
Official source: IRS Form 5500-EZ filing notices