Defined Contribution Plans

  • Help your employees make the right 401(k) investment choices

    July 15, 2014

    Employment education sessions are a critical way to get plan participants more involved in the personal choices they need to make to maximize their retirement account returns.

  • Tool helps plan sponsors check up on advisers

    July 8, 2014

    Retirement plan sponsors can do their due diligence on the good (and bad) of the financial advisers they work with by using tools such as FINRA's BrokerCheck.

  • DOL investigating outsourcing of employee benefit plan services

    July 8, 2014

    The DOL’s ERISA Advisory Council plans to identify current industry practices and trends regarding the types of employee benefit plan services being outsourced and the market for delivery of those services as part of its 2014 issue agenda.

  • Upbeat economy prompts corporations to re-examine benefit spending

    July 8, 2014

    Better investment returns have given more support to America's once-faltering DB plans, but benefits executives still stay they need to cut costs to deal with health care expenditures.

  • 5 reasons 401(k) IRA rollovers are a bad idea

    June 24, 2014

    Many employees who change jobs choose to roll their 401(k) accounts into IRAs rather than leaving them in place or rolling them into their new employers 401(k) plan. Rolling a 401(k) account into an IRA is generally a really bad idea, for the following reasons.

  • 5 tips to establish an internal controls system for 401(k) plan compliance

    June 23, 2014

    Recently, the Internal Revenue Service has focused enforcement activity on examining the implementation of a strong internal control system. The IRS has publicly stated that if a plan is selected for audit the agent will use their evaluation of the plan’s internal controls to determine whether the scope of the examination will be focused or expanded.

  • Supreme Court: Inherited IRAs subject to bankruptcy claims

    June 18, 2014

    Benefit brokers and advisers should be aware of this case as employer clients grow increasingly interested in ensuring employees’ retirement readiness.

  • SEC, FINRA and IRS issue bitcoin warnings

    June 17, 2014

    Will virtual currencies supplant the dollar as the currency of choice for international transactions? Probably not any time soon. Recently the Securities and Exchange Commission, Financial Industry Regulatory Authority and the Internal Revenue Service issued statements designed to strongly discourage the use of virtual currencies.

  • 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.

  • IRS targets Roth feature in 401(k) plans

    June 16, 2014

    The IRS has launched a compliance check program to better understand how plan sponsors are complying with Roth deferral provisions in 401(k) plans. If asked to participate, failure to to respond could trigger an audit.

  • 5 fatherly financial tips for Father’s Day

    June 13, 2014

    As Father’s Day nears, financial professionals surveyed by the National Foundation for Credit Counseling share work and money lessons they learned from their own dads -- ones employers may want to share with employees.

  • 6 features of the best 401(k) plans

    June 10, 2014

    Each year Brightscope, a company that aggregates retirement plan data, releases a list of what it believes are the best large 401(k) plans. Here are the six plan features Brightscope says result in a 401(k) plan receiving a high ranking on its list.

  • 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.

  • How leveling retirement plan fees can help your clients’ employees save more

    June 5, 2014

    Although most employers review retirement plan costs annually, many are not assessing fees evenly across all asset classes — and that’s where benefit advisers come in.

  • 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.

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