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The Pentegra Participant Smartpath™

We know that it is never too early—or too late—to start planning and saving for retirement. The Pentegra Participant SmartPath™ offers simple, yet essential tips for building a savings and accumulation strategy that can put participants on the path toward more successful outcomes—and a secure…

PENTalk™ – The Pentegra Smartpath™

The Pentegra SmartPathTM and the path to retirement readiness discusses best practices in plan design and savings strategies geared toward helping participants achieve more successful outcomes.

PENTalk™ – The Pentegra Fiduciary Smartpath™

The laws governing retirement plans and their fiduciaries are complex, but complying with them doesn’t have to be. As an institutional fiduciary, Pentegra is intimately familiar with the role of a plan fiduciary and the responsibilities fiduciaries have to a retirement plan and its participants….

PENTalk™ – The Pentegra 3(16) Administrator SmartPath™

“When it comes to the fiduciary administrative oversight of a retirement plan, although most plan sponsors are the Named Fiduciary of their plan, the truth is that they are not aware of the myriad of fiduciary administrative responsibilities that come with that role, or that…

The Pentegra SmartPath™

…Our SmartPathTM series is all about creating best practice plan designs geared toward achieving greater retirement readiness. Pentegra SmartPath™ Thought Leadership Series The Pentegra SmartPath™ At Pentegra, we believe successful plan outcomes start with effective plan design. Plan features—automatic features—that better meet the needs of…

Building A Better 401(K) – Part Two

…ensure successful retirement outcomes for both companies and their participants. That post discussed the 401(k) plan’s automation features focused on in SmartPath™; here I will discuss some other boons.The first of these involves adding a Roth 40(k) feature. Such an option combines the features of…

Building A Better 401(K) – Part One

they usually opt for something in the 5-7 percent range to begin with. Why, then, start at 3 percent? That’s selling your employees short.While 6 percent doubles the cost to the 401(k) provider, we believe that in the long run such a practice will actually…

The Valuable Lesson We Can Learn From Retirees

the need to prudently save for retirement, it is our hope that #talkaboutretirement will encourage them to redouble their efforts at taking such simple advice more seriously and will serve as a springboard to people taking action. [1] “Beyond the SmartPathTM, Pentegra Retirement Services, 2016…

Anchoring and Your Retirement Savings Strategy

…in many cases, resulted in the participant taking big losses by selling their investments to “protect” from more downside losses. The end result was that they typically sold low and later on bought back the same investments at higher prices. This is the exact opposite…

Let’s Talk – Seriously – About Retirement

the topic was entirely absent. Of course, attitudes in the mid-20th century were different, as was the retirement landscape: Most of our respondents’ parents relied on their pensions, the then-relatively new Social Security program, and their own savvy to see them through their golden years;…

Five Key Concerns for Retirement Plans in 2020

…and for good reason. A report by the Center for Retirement Research (CRR) found that over 100 new 401(k) complaints were filed in 2016-17, the highest two-year total since 2008-09. The most common reasons for that increase, the CRR found, were inappropriate investment options; excessive…