I work as a contract programmer for several clients, and for some, I work from home, and my hours at each client vary quite a bit from week to week. I can easily pass the IRS test of "self employment". However, for most of my clients, I get paid W-2 wages, not directly from the client, but from pass-through, pay roll companies. For example, this year, I will have 4 W2s and 2 1099s, all from different companies. I am not eligible for contributing to 401k plans at any of the pass- through payroll companies I get paid through, because the length of the contract is usually less than 6 months, which is the minimum eligibility period for most companies for setting up a 401k.
MY question is: Am I eligible to set up an individual 401k, even though some of my income is W2 income and technically I am considered an employee of the payroll company?