2 questions.
1. I work this per diem job, in interview year ago by manager, told I don't get a 401k. Then a little over a year later (last month), I get this letter about changes to my 401k. Well I don't have a 401k, don't have account, nothing I knew about. So I just ignored it.
I pick up my pay stubs (I'm direct deposit) this week and notice in the last 3 checks, there's this 401k deduction. I'm like what? I haven't done anything. I go back to the letter I kept for no reason, follow the website link, made an account, put in my SSN, and lo and behold, they have my address and money in a 401k. They also matched 40% it looks like? So far, i put in 70 ish, they matched 50ish.
Now when I look at the plan, excluded employees are per diem people like me working 1-5X/month (well I sometimes work more or less). But somehow, my money was automatically being deposited there. Somehow I got enrolled just recently when I wasn't before and not qualified to.
So my question is...do I bring it to the attention of my manager and ask him what is going on? I'm afraid he'll pull the plug or stop it. I was wondering if I can sort of continue to sneak and put money into it without anyone knowing, (if that's okay to do, they can't just steal the money away) or maybe the 401k plan changed and allowed per diem to contribute. Cause I can put in 100% of my paycheck into it now till end of year. Yearly salary from this job is about 24K, if they match 40%, I can put 10.8K pretax and they match 7.2K I think. I'm just wondering why all of a sudden, I now have a 401k automatically and should I alert or keep it to myself? (I plan to call Transamerica tomorrow). Accounting error? 1 year of service? I would've been told that in the interview I think. Did I have one all along and wasn't told?
2. Unrelated, but if foreign property or inheritance is brought to the US, how is it taxed, or taxed at all? There's foreign inheritance tax/property sale tax, is there a tax for US? Or for New Jersey specifically, like do tax laws apply?
Thanks.