Just to add another resource - if you have access to your company's HR portal or benefits website, sometimes the retirement plan documents stored there will include the EIN. Many employers keep the Summary Plan Description (SPD) and other plan documents in their employee self-service portals, and these often contain the EIN in the administrative details section. It's worth checking if you still have access to your former employer's benefits site, as this information is usually available to both current and former employees for exactly these kinds of tax preparation needs.

Another quick tip - if you're still struggling to find the EIN, check your old pay stubs from when you were contributing to the retirement plan. Sometimes the EIN appears in the deduction details section where it shows your 401(k) or retirement contributions. I discovered this accidentally when I was organizing my tax documents and noticed the EIN listed next to my retirement deduction line. It's not always there, but worth checking if you have any old pay stubs saved. Also, if your company switched retirement providers at any point, make sure you're looking for the right EIN - it could be different from what you expect if Transamerica took over from another provider.

I'm going through the exact same thing right now! Filed my Michigan return on February 1st and have been seeing that same confusing "completed" but "under manual review" status for about a week now. What's really getting to me is how Michigan's eServices portal is so much less informative than the IRS website. At least with federal returns you get some kind of processing timeline or more specific status codes. But Michigan just gives you this vague "we appreciate your patience" message that basically tells you nothing useful about when you might actually see your refund. I also claimed the home heating credit on my return, so that's probably what triggered the review for me too. From reading through this thread and other forums, it seems like Michigan has been really backed up this tax season and those heating credits almost always get flagged for additional review. The waiting is honestly the worst part - especially when you're counting on that refund money! I've been trying to follow the advice about only checking once a week instead of obsessively checking daily, but it's easier said than done. At least it sounds like most people eventually get approved without having to send in additional paperwork. Thanks for posting this - it's oddly comforting to know I'm not the only one stuck in this frustrating limbo! 🤞

I'm in the exact same situation - filed my Michigan return on February 5th and have been seeing that identical "completed" but "under manual review" message for the past few days. It's so frustrating how contradictory their system is! After reading through everyone's experiences here, it sounds like the home heating credit is definitely a common trigger for these manual reviews. I claimed it too, which probably explains why I'm stuck in this limbo. What's really bothering me is how Michigan's eServices portal gives you absolutely zero useful information compared to other states. Just that generic "we appreciate your patience" message that tells you nothing about actual timelines. At least the IRS gives you some kind of processing updates! Based on what others are sharing, it seems like we're looking at anywhere from 4-6 weeks for these manual reviews to complete, which is honestly longer than I was hoping for. But I guess there's nothing to do except wait it out and try not to check the portal obsessively (easier said than done when you're counting on that refund!). Thanks for posting this thread - it's actually really reassuring to see so many others dealing with the same issue. At least we know we're not alone in this Michigan tax processing nightmare! 😅

This is exactly the kind of high-level S-corp planning that requires professional guidance. At $2.7M, you're in territory where small mistakes can be very expensive. One key point that hasn't been fully emphasized: the tax treatment is the same whether you take distributions or leave money in the S-corp - you'll pay personal income tax on all $2.7M regardless. The only real tax savings comes from the salary vs. distribution split, where distributions avoid payroll taxes. For your situation, I'd suggest getting a formal reasonable compensation study done before making any decisions. The IRS scrutinizes high-income S-corp owners much more closely, and having proper documentation of your salary determination could save you significant audit costs down the road. Also consider timing - if this is a one-time windfall vs. ongoing income, that affects what salary level would be considered reasonable. A business owner making $2.7M consistently would likely need a higher salary than someone who had an exceptional year due to a large contract or sale. The 37% federal rate is just income tax - you'll need to add payroll taxes on the salary portion, but those are capped for Social Security. Most of your income would only face Medicare taxes (2.9% combined) plus the 0.9% additional Medicare tax on high earners.

Great question about compensation studies and timing strategies! Formal reasonable compensation studies typically run anywhere from $2,500 to $8,000 depending on complexity and the firm doing the analysis. At your income level, this is definitely worthwhile insurance - I've seen audit settlements that cost 10-20x that amount. Regarding timing strategies, the pass-through nature does limit some options, but there are still planning opportunities. You can't defer the tax on S-corp income to future years since it all passes through in the year earned. However, you can time when you actually distribute the cash (separate from the tax obligation), and you might have some control over when certain income is recognized depending on your accounting method. For salary timing, you do have some flexibility - you could potentially adjust your salary up or down during the year based on how profits are tracking, as long as you end up with a reasonable annual amount. Some businesses pay higher salaries early in profitable years, then reduce them if profits don't materialize as expected. The key is having documentation for whatever approach you take. At $2.7M, you're absolutely in the zone where the IRS pays attention, so every decision should be defensible with clear business reasoning and market data.

This is exactly the kind of detailed tracking we need more of in this community! I've been using the Emerald Card for two years now and can confirm similar timing patterns. One thing I'd add for anyone new to the process - if you're checking the H&R Block app obsessively like I was my first year, the balance typically updates between 12:01 AM and 6:00 AM EST on your DDD. I learned not to panic if it's not there right at midnight. Also, for those asking about notifications - yes, the app does send push notifications when deposits post, but I recommend also setting up text alerts through their website as a backup. The text alerts have been more reliable in my experience. Thanks for sharing the transcript timeline too - that 846 code really is the golden ticket that tells you everything is on track!

This is incredibly helpful timing data! I'm a tax professional who's been advising clients on refund expectations, and your systematic tracking really validates what I've been telling people about the IRS maintaining their processing timelines despite volume increases. One thing I'd add for anyone reading this - while Emerald Card deposits are generally reliable, I always recommend clients have their routing/account numbers ready as backup. If there's ever an issue with the card (lost, damaged, or account frozen), you can call H&R Block and have them redirect the deposit to a traditional bank account, but this needs to be done BEFORE the IRS releases the funds. Also, for future reference, if you file early next year and get the same DDD timing pattern, the funds usually post to Emerald Cards between 3-6 AM Eastern on the DDD. Thanks for sharing real data instead of speculation - this community needs more posts like this!

I completely understand your concern about the timeline, especially with medical expenses waiting! From my experience and what I've observed in this community, the SBTPG to bank transfer process typically follows this pattern: **Normal Timeline:** - 24-48 hours for most major banks (Chase, Wells Fargo, BofA) - 48-72 hours for credit unions and smaller regional banks - Digital banks like Chime sometimes post earlier, traditional banks sometimes later **Key factors affecting timing:** - SBTPG processes ACH transfers daily with a 3pm ET cutoff - If your "funded" status appeared after 3pm, processing starts the next business day - Weekends and holidays don't count - Friday funding often means Tuesday deposit - First-time refunds to an account may have additional verification holds **When to be concerned:** - More than 3 business days without deposit - No pending transactions showing in your bank account - Any recent changes to your banking information Since you mentioned monitoring this for medical expenses, I'd recommend calling your bank after 72 hours to check for pending deposits or holds. They can often provide more specific timing once the transfer is in their system. The medical urgency is completely understandable - these delays are frustrating when you have real expenses waiting! Hope your funds arrive soon! Keep us updated on how it resolves.

Your circulatory system analogy is spot-on! As someone who's been through this process multiple times, I can share that the SBTPG timeline varies significantly based on several factors. From my tracking over the past few years: - **Major banks** (Chase, Wells Fargo, BofA): Usually 24-48 hours - **Credit unions**: Often 48-72 hours due to batch processing - **Online banks** (Ally, Capital One 360): Sometimes faster, sometimes slower - **Regional banks**: Generally 48-72 hours The key thing to remember is that "funded" means SBTPG has initiated the ACH transfer, but your bank still needs to process and post it. Think of it like mail being sent vs. delivered. Given that you need these funds for medical expenses, here's what I'd do: 1. **Wait 72 business hours** before worrying 2. **Check for pending deposits** in your online banking 3. **Call your bank** after 72 hours to ask about ACH holds 4. **Verify account info** matches exactly what SBTPG has on file Most people see their deposits within 2 business days. Since you mentioned monitoring closely, consider setting up mobile deposit alerts so you're notified immediately when it hits. The waiting is always nerve-wracking when you have expenses pending, but the funds should appear soon!