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How Does A Cash Balance Plan Work?

A cash balance plan is a hybrid plan in the sense that the plan combines features of both defined contribution and defined benefit plans. Similar to most defined benefit plans, there are no participant contributions. The employer determines benefit levels and bears responsibility for providing…

Why Would I Include Life Insurance In My Qualified Retirement Plan?

…insurance is included in defined benefit plans all participants must be provided with the insurance. The addition of life insurance in a defined benefit plan will increase the plan contribution by an actuarially determined amount. This is good news for some employers who are seeking…

Navigating the New Defined Benefit Pension Plan Landscape

Whether you are looking to restructure benefits, improve investment performance or reduce costs, the landscape for defined benefit pension plans is changing. Banks not only need a pension solution for today, but a roadmap for the next 5 to 10 years and beyond. There are…

DB Plans are Alive and Well

consultants and a key tool to have in your arsenal. With a Defined Contribution plan, it’s the employees who make many of the contributions and take on the investment risk. Their retirement benefit is their accumulated balance. With a Defined Benefit plan, the employer makes…

Enhancing Your Bank’s Competitive Position with an Executive Benefit Plan

…benefit program designed to reward officers and/or key employees. SERPs may be entirely discretionary and designed to provide rewards arbitrarily or based on specific performance factors. SERPs can be constructed in a variety of ways, including as “defined contribution” or “defined benefit” plans. Benefits provided…

What’s Really New About Investment Outsourcing?

…the two year period ended March 2013. Significant growth is again expected in the next 12 months. OCIO services are offered to all manner of institutional clients: corporate defined benefit and defined contribution plans, public plans, endowments and foundations, banks, thrifts, and insurance companies. The…