Search Results

We have found 108 results matching your search query.

What is Non-Discrimination Testing?

…contributions and ACP tests after-tax and employer matching contributions. The Top Heavy Test tests the account balances of key employees vs. non-key employees. Minimum Coverage Test – Tests the population of HCEs vs. NHCEs HOW DOES TESTING THE 401(K) CONTRIBUTIONS WORK? The Actual Deferral Percentage…

Are More Modifications Needed Before We Feel SECURE?

…research firm Cerulli Associates, with assets rising from $4.6 million as of July 1, 2018 to $10.9 million as of December 31, 2018. But, Cerulli added, the average balance was less than $500, well below the national average 401(k) account balance of $85,000. The IRI…

Plan Audits

…of the year count. That’s important because it can include former employees if they still have an account balance. This reality, plus the annual plan cost of carrying former employees, encourages many plan sponsors to force out former employees with small balances. The Department of…

Pensions, Retirement and Markets: Five Questions for 2020

…As with any future event, it is unclear what will happen with interest rates in 2020. The Fed is currently signaling a hold on rates or at most one rate cut in 2020. They will have to balance a slowing U.S. economy and mild inflation,…

Investing with “Style”: Growth and Value Stocks

It is commonly stated that investing and asset allocation involve the choice between 3 asset classes: stocks, bonds and cash. However, it has long been believed that certain types of stocks behave differently from other types of stocks. This concept was first developed by Graham…

3rd Quarter 2015 Economic & Market Review

…(representing investment grade U.S. bonds) returned 1.2% (1.1% YTD) and the long end of the curve recovered following a difficult first-half of the year with the BarCap Long Treasury Index surging 5.1% (0.2% YTD). Cash continued to yield near 0.0% at the end of 3Q….

2nd Quarter 2015 Economic & Market Review

…Barclays Capital (“BarCap”) U.S. Aggregate Bond Index (-1.7%) faltered, but the real damage occurred at the long-end of the curve where the BarCap Long Government Index (-8.3%) and the BarCap U.S. Long Credit Index (-7.3%) fell precipitously. Cash continued to produce a yield near 0.0%….

1st Quarter 2015 Economic & Market Review

…Longer duration bonds had the most success in Q1as interest rates declined. The Barclays Capital (“BarCap”) Long Government/Credit Index (+3.4%) outpaced both the BarCap U.S. Aggregate Bond Index (+1.6%) and the BarCap Intermediate U.S. High Yield Index (+ 2.4%). Cash continued to produce a yield…

1st Quarter 2014 Economic & Market Review

…Markets Longer duration bonds had the most success in Q1. The Barclays Capital (“BarCap”) Long Government/Credit Index (+6.6%) outpaced both the BarCap U.S. Aggregate Bond Index (+1.8%) and the BarCap Intermediate U.S. High Yield Index (+ 2.8%). Cash continued to produce a yield near 0.0%….

Why Make Company Stock Part of Your Retirement Plan?

…participants. KSOP A KSOP is an ESOP with a 401(k) feature and provides for both employer stock contributions and employee deferrals. Employer contributions can be mad in either stock or cash. A KSOP combines two separate plans, offering simplified administration, streamlined employee communication and greater…