Defined Benefit Plans

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  • The retirement readiness battle: Baby boomers vs. Gen X

    August 20, 2014

    When they leave the workforce, Generation X may be in a similar, not worse, retirement situation than baby boomers given their access to automatic enrollment in defined contribution plans and the growth of their future plan contributions, according to the Employee Benefit Research Institute.


  • What plan sponsors need to know about money market fund changes

    August 19, 2014

    The U.S. Securities and Exchange Commission recently adopted amendments to the rules that govern money market mutual funds. Two of the changes could affect how you manage your 401(k) plan.


  • De-risking trend redefining the global pension market

    August 14, 2014

    Commentary: On July 4, 2014, the trustees of the BT Pension Scheme in the U.K. announced a record-breaking longevity risk transfer transaction that will provide long-term protection and income to the pension scheme in the event that members live longer than expected.


  • Multinational employers trending toward DC retirement plans

    July 29, 2014

    Globally, defined-benefit retirement plans are becoming a thing of the past and defined-contribution plans more widely accepted as the preferred alternative, a trend that could spur inquiries from international employer clients.


  • How withdrawal liability could be your employer client’s biggest threat

    July 28, 2014

    Withdrawal liability is a seldom understood threat that could cost some of your employer clients tens of millions of dollars. Benefit advisers hoping to soften the blow can direct employers to do three things.


  • Hybrid retirement plans offer pension-styled security

    July 28, 2014

    Many companies have frozen their defined benefit plans to new hires. Others have abandoned their pensions in favor of a 401(k) or other defined contribution plan. But not everyone is happy with DC plans because they often leave participants to fend for themselves when most have never had to make investment decisions.


  • 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.



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