Through the adoption agreement, an employer sponsoring a 401(k) plan (a plan sponsor) chooses the rules applicable to their retirement or benefit plan. This includes settings such as: This section is quite simple. Other important information about the plan, rules and details that have not been included in the standard introductory agreement can be presented here. Depending on the nature of your plan, this section may or may not be used. The next time you need to modify your 401(k) plan (or just refresh this laborious document), we hope you think about this contribution. Better, now put a bookmark to save yourself the trouble. Our adoption agreement is complemented by Section J, the last simple page of the adoption agreement, which exists mainly for signatures. Ok, the signature is complete. The 401(k) adoption agreement is the document that defines the specific features of your 401(k) plan. .