Defined Contribution Plans

  • 5 factors to help employees target their retirement savings goals

    August 28, 2014

    With such a wide range of opinions about how much money employees need to save for retirement – estimates vary from eight to 25 times final pay – it can be hard for participants to know what to aim for.

  • Why employees need 401(k) investment advice

    August 21, 2014

    While American employees appreciate having a 401(k) plan, the majority will likely spend more time planning for a new car purchase or vacation than researching their plan’s investment options.

  • HighTower adds 401(k) practice

    August 20, 2014

    HighTower has recruited newly formed 401(k) practice Fiduciary Plan Advisors to its network platform.

  • 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.

  • Revisiting missed or late retirement plan deposits

    August 15, 2014

    Commentary: Retirement specialist John Ludwig reviews the consequences of an employer’s failure to make timely deposits to a participant’s retirement account.

  • Retirement plan sponsors post modest returns

    August 12, 2014

    Corporate pension plan sponsors posted a median 4% return in the second quarter, thanks in part to their U.S. equity allocations.

  • 5 reasons to reconsider active management

    August 12, 2014

    We all know how markets have traded most of the time since the 2008 crash. One day everything is moving up in value, the next everything is falling. But things are changing.

  • New metrics redefine benefit plan success

    August 11, 2014

    Commentary: Benefit adequacy is a recently-coined catch phrase among the retirement industry, and with good reason. Many individuals have not saved enough to pay for the costs of health in retirement, let alone broader retirement income needs.

  • Fiduciary responsibility: 4 areas to watch

    August 8, 2014

    Benefit plan documents should be reviewed regularly with the plan’s third-party administrator. While a plan’s TPA can assist employers in meeting regulatory requirements, it is important to define the roles and responsibilities of the plan sponsor, who is ultimately responsible for implementing plan policies and procedures.

  • Despite recession, target-date funds aid retirement plan growth

    August 5, 2014

    The expanded role of target-date funds has contributed to increased participation in 401(k) plans, highlighting a retirement plan strategy benefit advisers should be sharing with their employer clients.

  • Get started now on 401(k) plan changes for 2015

    August 5, 2014

    From fees and features to funds and fiduciaries, there's lots to consider when reviewing your 401(k) plan.

  • 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.

  • Which type of fiduciary should plan sponsors hire?

    July 29, 2014

    Making the choice between TPAs serving as 3(16) fiduciaries or going with retirement planning advice in a 3(21) or 3(38) can help make financial management of a 401(k) plan go more smoothly.

  • 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.

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