My employer checked box 13, Ret. Plan, even though I made no contributions in 2018. My traditional IRA contributions are not tax-deductible now. How should I proceed?

Forum|Forum|7 years ago
June 4, 2019
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I've shown my Employer, who uses ADP, this IRS site and sent them the general instructions for 2018 W-2 preparation, both of which are clear the employee needs to be an 'Active Participant' (p. 22), but they won't fix it. Even the chart on p. 30, second row, describes my situation.

https://www.irs.gov/retirement-plans/common-errors-on-form-w2-codes-for-retirement-plans

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dmertz

Level 15

The marking of box 13 Retirement plan on your W-2 is quite possibly correct. It's possible that the employer made additions to your account in 2018 (say, from forfeitures from employees who separated from service before being fully vested in company matching contributions) or it's possible that additions were made to your account in 2017 but for the plan year ending in 2018 due to the plan using a fiscal year instead of a calendar year. The IRS goes by the marking of box 13, so you must enter the W-2 as received.