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Keeping an Eye on the Ever-Pending Changes to the Fiduciary Standard

…like a good time to revisit the topic and provide some updates. Discussions about changes to the fiduciary standard as applied under the Employee Retirement Income Security Act of 1974 (ERISA) took some five years, with the new fiduciary rule finalized by the U.S. Department…

Pension Plans as Shareholders

…These proxy voting policies can lead, in some cases, to divestment of companies which are deemed to violate corporate governance best practices. Private pension plans, on the other hand, are governed by Department of Labor (DOL) regulations under the Employee Retirement Income Security Act of…

Aligning Plan Design with Client Goals

…need. Plan designs can vary in important ways. For example, depending on the plan: contributions can be discretionary or mandatory. They can favor older employees over younger ones. They can accumulate a balance like a 401k or a promised benefit as in defined benefit plan….

Consider Behavioral Bias In Retirement Plan Design and Communications

…contributions.  Your role as a trusted advisor is crucial to both your relationship with the plan and plan sponsor, but also to help employees navigate past their own biases. Talk to us about expert plan design and plan communications that can help drive better outcomes….

Navigating the New Defined Benefit Pension Plan Landscape

…equity for exposure to the U.S. and non-U.S. equity markets. This approach is designed to help offset the impact of salary-based benefit accruals of active employees on future liabilities. It often uses a “core and satellite” structure, where the core investments can include index funds…

Fed Patience and Other Curiosities

…it should actually be quieter. This material is provided solely for informational purposes and does not constitute investment advice on the matters addressed. Neither Pentegra Services, Inc., its subsidiaries, nor any of their respective employees intend that this material should be relied on as investment…

Use Benchmarking to Your Advantage

…increasing employee participation. And we know that benchmarking reports generally don’t address these things either. We also know that much of the work we do is behind the curtain  – clients don’t see it. And, what they don’t see, they may not value. That’s why…

PENTalk™ – A Tax Advantaged Approach For Your Clients

“Do you have clients who are searching for opportunities for greater tax deductions? What if there was a way to provide help to your client while also maximizing benefits for themselves and their key employees? A cash balance plan may be the answer! Take a…

Making Your 401(k) Continue to Jingle All the Way

…those people had taken out two or more such loans. Tellingly, 44 percent of those who had taken loans said they regretted the decision. Still, the temptation is there, and it is very real. If the 401(k) plan allows, the participating employee can take advantage…

Retirement Plan Implications of the New Tax Bill

…the case with a Roth IRA. A Plan Sponsor Council of America (PSCA) survey published earlier this year found that three-quarters of its respondents “strongly agreed” that eliminating or reducing the pre-tax benefits of 401(k) or 403(b) retirement savings plans would discourage employee savings in…

Standards for Electronic Delivery Of Required Plan Notices

As a general rule, an ERISA plan administrator may furnish notices to employees electronically. However, the administrator must use measures “reasonably calculated to ensure actual receipt.” To meet the DOL standard for electronic delivery of required plan notices, the guidelines require the following: The participant…