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What is a Multiple Employer Plan (MEP)?

Defined Contribution (DC) or Defined Benefit (DB) plans. Section 413(c) of the Internal Revenue Code and the regulations thereunder establish guidelines for Multiple Employer Plans. A MEP is essentially a single qualified trust established by the plan sponsor that allows unrelated co-adopters to adopt the…

The Ins and Outs of Fiduciary Outsourcing for Community Banks

…that investment fiduciary outsourcing can be appropriate for defined benefit and defined contribution plans of all sizes.)In addition, the day-to-day management of a plan involves, among other things, making sure the plan is running as it should be; nuts and bolts record-keeping; and administrative decisions…

The Uncertain Future of the PBGC

…voluntary private defined benefit pension plans; provide timely and uninterrupted payment of pension benefits; and keep pension insurance premiums at the lowest level necessary to carry out its operations. Subject to other statutory limitations, PBGC’s insurance program pays pension benefits up to the maximum guaranteed…

How Well Have Employer-Provided Benefits Kept Up With Pay?

…from 30.9% in 2013 to 31.7% in 2018. The main benefits category showing the greatest share of total compensation increase was retirement and savings (defined benefit (DB) and defined contribution (DC) plans), which increased from 4.7% in 2013 to 5.3% in 2018. Conversely, the health…

Auto-Portability: A Way to Address 401(k) Leakage

…the EBRI refers to as the nation’s $4.1 trillion Retirement Savings Shortfall (RSS). On February 7, EBRI’s research director Jack VanDerhei wrote that auto-portability “would help keep the DC [defined contribution] assets in the retirement system and — in theory — reduce leakage from cashouts…

Five Key Concerns for Retirement Plans in 2019

New years are often viewed as opportunities for new beginnings. And while that may be true, it is also the case that a new year can present new problems – or in some instances, the continuation of old problems. When it comes to defined contribution…

Investing with “Style”: Growth and Value Stocks

…Retirement Services, a leading provider of retirement services to financial institutions and organizations nationwide, founded by the Federal Home Loan Bank System in 1943. Mr. Slade manages over $1 billion in internal bond portfolios and provides analytics and strategy for Pentegra’s Defined Benefit and Defined

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

…Statement, rigidly defined and almost impossible to stretch. Free Cash Flow, while still an accounting derivative, is reconciled on the Cash Flow statement, and must tie to cash – again, harder to manipulate for cosmetic appearances. So what are these measures telling us? On a…

Wellness and Investing in Ourselves: How They Impact Our Human Capital

…Services, a leading provider of retirement services to financial institutions and organizations nationwide, founded by the Federal Home Loan Bank System in 1943. Mr. Slade manages over $1 billion in internal bond portfolios and provides analytics and strategy for Pentegra’s Defined Benefit and Defined Contribution…

What is Bitcoin?

…manages over $1 billion in internal bond portfolios and provides analytics and strategy for Pentegra’s Defined Benefit and Defined Contribution Plans. Mr. Slade holds a Ph.D. in Economics from University of Pennsylvania and a CFA, and has presented at a number of seminars and conferences….

The Potential New Fiduciary Reality for Plan Sponsors

…must be clearly defined in writing and understood. If your company does not have clearly defined fiduciary roles and responsibilities for your retirement program – and if you are uncertain as to whether your company serves as the named fiduciary, or if you have delegated…

Why Plan Restatements Provide An Ideal Time To Think About Plan Redesign

…comply with these rules in operation, with differing effective dates. Sponsors of defined contribution plans were already required to formally adopt separate amendments (where applicable) over the last several years to demonstrate good faith compliance with some provisions of these rules. Plan sponsors have different…