Defined Benefit Plans

  • Obamacare overshadows same-sex marriage benefit compliance

    June 17, 2014

    Employers focused on Obamacare may be missing one of today’s most important compliance issues: benefits for same-sex married couples. Since June 2013, when the United States Supreme Court ruled in U.S. v. Windsor that a federal statute limiting the terms “spouse” and “marriage” to couples of the opposite sex was unconstitutional, a sea-change has taken place in national attitudes about same-sex marriage.

  • 4 retirement myths and realities

    June 9, 2014

    As people live longer and healthier lives, they’ll continue to find satisfaction from work even after they retire from their primary career. Employers wanting to tap into this new workforce and retain older workers can do so through offering benefits such as sabbaticals, mentoring opportunities and flex time, says Ken Dychwald, Ph.D., founding president and CEO of Age Wave, a research company. Here are four myths employers can help debunk for employees uncertain about retirement.

  • 5 changes to expect in Social Security

    June 3, 2014

    Social Security will still be around when your employees retire, it just might look a little different. Here are five changes to expect in the coming years.

  • 10 tips to help employees boost their retirement savings

    May 29, 2014

    Even if they began saving late or have yet to begin, it's important for your plan participants to know they are not alone, and there are steps they can take to kick-start their retirement plan. Merrill Lynch has provided the following tips to help boost their savings - no matter what their stage of life - and pursue the retirement they envision.

  • Helping employers overcome pension cash out misconceptions

    May 22, 2014

    While pension cash outs for former employees are sometimes attractive to employers, several common concerns otherwise deter them from the option.

  • Disclaimers can be a good thing, particularly in benefit notices

    May 15, 2014

    One recent court case suggests your employer clients should consider including disclaimers in benefit notices to protect against changes in retirement plan payouts.

  • Adviser groups, Chamber of Commerce object to DOL fee guide rule

    May 15, 2014

    A handful of letters from trade groups and the Chamber of Commerce reject as “premature and imprudent” the DOL’s proposal to require retirement plan service providers supply guides to fee disclosures.

  • Benefit plans should consider employee concerns and preferences

    May 7, 2014

    American workers are increasingly satisfied with their retirement plans and interested in investing in them, a trend advisers and employers use in their favor.

  • Alternative investment checklist: A guide for fiduciaries

    April 25, 2014

    Because alternative investments, such as private equity, hedge funds and real assets, are typically accessed though a limited partnership structure, retirement plan fiduciaries are charged with more extensive due diligence as compared to monitoring daily valued mutual funds or separate accounts.

  • De-risking defined benefits plans needs to be a corporate priority

    April 17, 2014

    Rising interest rates and strong stock market performance have improved funding ratios for DB plans and created an environment in which plan sponsors can — and are — acting decisively to mitigate risk.

  • IRS issues rules for recognizing same-sex spouses under retirement plans

    April 10, 2014

    The IRS last week issued Notice 2014-19, which sets forth the rules for recognition of same-sex spouses in retirement plan administration. Here's what employers need to know.

  • Politicized climate may see retirement programs under attack

    March 24, 2014

    While a flurry of recent, presidential-level focus on America’s retirement system might be a good opportunity for dialog on its shortfalls, those in the retirement industry fear that a new era of potential tax grabs is on the horizon.

  • SEP: The procrastinator’s pension plan

    March 11, 2014

    Commentary: It’s not too late to set up a 2013 retirement plan. It may not be flexible, but it is available for those seeking last-minute savings.

  • PBGC’s premium change to benefit large pension plans

    February 5, 2014

    A new schedule change ending the twice-a-year premium requirement to large company-sponsored pension plans, orchestrated by the Pension Benefit Guaranty Corporation, is expected to be a boon for retirement plan sponsors.

  • MyRA proposal seeks to solve problem that doesn’t exist

    January 29, 2014

    In this commentary, one retirement plan adviser says government efforts and taxpayer funds would be better directed to educating employees on the importance of contributing to their 401(k) accounts and providing additional tax incentives for those few employers that have not already established a 401(k) plan.

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