Yes! You can use AI to fill out WTIA 401(k) Plan Rollover Contribution Employee Certification

The form requires a very specific payee format: 'Charles Schwab Bank, Acct# 100408, FBO WTIA 401(k) Plan; FAO '. People often shorten this or omit their own name, causing the check to be rejected by the custodian. This leads to significant delays as a new check must be requested from the source institution. To avoid this, copy the payee information exactly as written on the form.

A frequent error is mailing both the completed forms and the rollover check to a single address. The instructions explicitly state that the signed forms must be sent to the Human Resource Department, while the check must be sent to Charles Schwab Bank in Austin, TX. Sending everything to one place causes major processing delays and increases the risk of lost documents. Double-check the submission instructions to ensure each item is sent to its correct destination.

Applicants often forget to include all necessary documentation, such as a copy of their most recent account statement from the prior plan. For Roth rollovers, they may also forget to include either the Form 1099-R or the completed 'Employee Certification of Roth Rollover'. An incomplete submission package will be rejected, halting the rollover process until all required documents are provided.

Step 2 requires the applicant to check all three certification boxes to attest that the funds are eligible and not from a prohibited source. Due to the dense legal language, people sometimes miss a box or are unsure and leave one blank. An incompletely checked section will invalidate the form, requiring resubmission and delaying the rollover.

The form presents four distinct rollover types (e.g., Direct Pre-Tax, Direct Roth, Indirect). A common mistake is choosing the wrong option, such as selecting an 'Indirect Rollover' for Roth funds, which is explicitly disallowed. This error can lead to the rollover being rejected or misclassified, potentially creating unintended tax consequences for the employee.

The dollar amount entered in Step 3 must exactly match the amount on the corresponding rollover check. People may make a typo or write the gross amount when the check is for the net amount after tax withholding. Any discrepancy will cause the plan administrator to halt processing until the employee clarifies and corrects the information.

The instructions clearly list sources from which rollovers are not accepted, such as Roth IRAs, Inherited IRAs, and non-governmental 457 plans. Applicants who do not read the instructions carefully may initiate a rollover from one of these sources. This results in the rollover being denied by the plan administrator after the check and forms have already been submitted.

Forgetting to sign and date the form in Step 1 is a simple but very common oversight. An unsigned or undated form is not legally valid and cannot be processed. This requires the HR department to return the form to the employee for completion, causing unnecessary delays. AI-powered form filling tools like Instafill.ai can flag missing signature fields to prevent this error.

When a 1099-R is not available for a Roth rollover, the separate certification form must be filled out. This form requires specific data like the 'first year of designated Roth contribution' and a breakdown of contributions versus earnings. Applicants often struggle to find this information or guess, leading to inaccurate records for their new account and potential future tax complications. This data should be obtained from the source plan administrator before filling out the form.

The instructions state that the employee must contact their Human Resource Department for pre-approval before submitting the rollover. Many people skip this step and proceed directly with filling out the forms and having the check sent. This can result in the rollover being unexpectedly denied if it doesn't meet specific internal criteria, wasting the time and effort spent on the process.