Potential duplicate contributions
Warning Code: CT101
Warning Message: An existing deposit was found on the same funding date but with different amounts
If ‘Employee Deposit Amount’ or ‘Employer Deposit Amount’ is different, but the funding date is the same, Forma will process the row with a CT101 warning to inform you of a potential duplicate. This is slightly different from error code CT020, where Forma checks three fields, ‘Employee Deposit Amount’, ‘Employer Deposit Amount’, and ‘Funding Date’, to determine if there are duplicate records.
For example, a contributions file was processed on July 1st, 2026 with the following rows for John’s 2026 FSA:
| Row | Employee Deposit Amount | Employer Deposit Amount | Funding Date |
| 1 | 10 | 0 | 20260701 |
| 2 | 0 | 10 | 20260701 |
Both rows are processed successfully.
Another contributions file is processed separately after the first file is processed:
| Row | Employee Deposit Amount | Employer Deposit Amount | Funding Date |
| 1 | 10 | 0 | 20260701 |
| 2 | 0 | 10 | 20260701 |
| 3 | 10 | 10 | 20260701 |
| 4 | 5 | 0 | 20260701 |
| 5 | 0 | 5 | 20260701 |
| 6 | 10 | 10 | 20260702 |
| 7 | 10 | 0 | 20260702 |
Row 1 and 2 will be errored out with CT020 because the contributions were already processed on July 1st. Row 3 will be processed with a warning because the single row has a different employer deposit amount than row 1 in the first file, and a different employee deposit amount than row 2 in the first file. Row 4 will be warned because only the employee deposit amount is different than row 1 in the first file, same with row 5 which only has a different employer deposit amount than the first file.
Row 6 will be processed with no warning because even if the employee deposit amount is the same, the funding date is different and we do not have contributions recorded on 2026-07-02. Same with row 7. Note that if Row 7 is processed in a separate file after row 6 is processed, you will also see the warning CT101, but you will not see the warning if they are included in the same file, nor will they be errored out as CT042.
In short, the system expects one contribution record for a given funding date. Attempting to add the same employee and employer deposit amount will be errored out, whereas an attempt to add a different employee and/or employer deposit amount will still process, but will send a warning.
If there are unintended duplicate contributions processed, send a negative contribution record in the next file or use the “Manage Funds” functionality in Forma Admin to remove the duplicate contributions. For HSA reversals, reach out to the Forma Customer Operations Team. For more information, see the article How do I correct pre-tax contribution mistakes?