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Cross Tested Plans

…are tested each year to determine whether a plan satisfies these requirements. Under a CrossTested plan, testing is performed based on benefits received rather than dollars contributed. WHAT MAKES CROSS TESTED PLANS UNIQUE? Cross Tested plans are unique in that they are tested in terms…

How Innovative Plan Design Can Contribute to a Credit Union’s Success

…can change from year to year. What’s more, a company that already has a traditional 401(k) can overlay a cross-tested plan or establish a separate profit-sharing plan. Keep in mind that every cross-tested plan has its own individually designed formula, allowing a given organization the…

Credit Unions: Make Sure You Know Your Fiduciary

…maintain those fiduciary responsibilities, and to constantly act in the best interest of a plan’s participants, is key to any plan’s ultimate success. Only by knowing your fiduciary – and only by consulting with a professional, time-tested provider — can you attain the ease of…

Retaining Millennials in the Workplace: Boost Benefits

…with a record-breaking average of $37,000 in student loans. However, not all companies can offer student loan help. Instead, small to mid-size companies are offering flexible work schedules, better vacation plans as well as more favorable matches for 401(k) plans. 401(k) matching contributions are a…

Getting Our Hands Dirty

…Plains headquarters to clean gardens, dig in the dirt to plant flowers, and create crossword puzzle white boards. This was one of the most productive and fulfilling days – personally and professionally — we agree we’ve all had in a long time, and I guarantee…

The End is Near!..or is it? -Part Two

…at or even above this level, with solid positive returns. In fact, the S&P 500 first crossed the 2.7x multiple in the modern era in the summer of 1995, and spent most of following 15 years above that multiple, through both bull and bear markets….

What’s Included In A Plan Document

No one wants to hear the word “prison” when discussing the administration of retirement plans. But it is unavoidable in one case, which proves how a qualified 3(16) administrator like Pentegra can sometimes prevent clients from hurting themselves. Like most administrators, Pentegra issues plan enrollment…