Defined Contribution Plans

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  • The nasty surprises behind 401(k) group annuities

    September 17, 2014

    Group annuities are common among 401(k)s because they appear to be cost effective, turnkey options. However, careful due diligence will reveal they are big aggressors when it comes to fees that hinder portfolio growth.


  • 4 red flags may indicate social media investing scams

    September 16, 2014

    A recent alert from the Securities and Exchange Commission emphasized how easily and quickly false information can be spread via social media by market manipulators who may be posing as legitimate or trusted sources of information. Plan sponsors may want to communicate this information to their 401(k) plan participants.


  • NFLPA works to prepare players financially for life after the game

    September 9, 2014

    Since joining the NFL Players Association 25 years ago, Dana Hammonds has launched a successful financial education program and constantly fine-tuned educational topics and outreach to meet players’ needs. She is the recipient of EBN’s 2014 Benny Award for Leadership in Retirement Planning.


  • 4 ways your 401(k) participants can save more

    September 9, 2014

    Many studies indicate that workers should save at least 12% to 15% of their income each year. It is likely that most 401(k) plan participants are not saving anything near this amount.


  • Target-date funds reveal shift in retirement adviser value proposition

    September 8, 2014

    Target-date funds continue to increase in popularity among investors as low-cost retirement vehicles, at the same time the Internet and increased benchmarking have made the retirement industry more transparent than ever.


  • Insurance, utilities sectors buck DB to DC trend

    September 5, 2014

    Some industry sectors are bucking the trend from defined benefit pension plans to defined contribution plans, with more than half of companies in the insurance and utility sectors still offering DB and DC retirement plans to new salaried employees.


  • Retirement has changed but ERISA still holds up

    September 3, 2014

    Despite the ever-changing world, ERISA remains strong and steady. The average American worker is far better off because of ERISA, which has held up remarkably well over the past four decades.


  • ERISA reflects bipartisan approach to employee benefits

    September 2, 2014

    On the 40th anniversary of ERISA, benefits attorney Howard Shapiro contemplates the differences between this landmark piece of legislation and another, the Affordable Care Act.


  • 11 ERISA milestones

    September 2, 2014

    Happy birthday ERISA! The Employee Retirement Income Security Act of 1974 turns 40 on September 2. Here’s a look at 11 important milestones, modifications and case law in the legislation’s 40-year history.


  • 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.



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