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How Trump’s Win Could Affect the National Retirement System

…tax reform, which means “flattening the rates and broadening the base.” Translation: deductions for retirement savings may be under attack. New comparability and cash balance designs for small business may go away. Deferral contributions may be forced to be Roth contributions and not deductible. This…

Why Non-Profits Should Embrace the 403(b) MEP

…only be sponsored by a 501(c)(3)-designated organization, in either a lead sponsor or co-sponsorship arrangement with another 501(c)(3) group. (Plan sponsors in the 403(b) space are primarily hospitals, nonprofit organizations, colleges and school districts.) The sponsor’s only responsibility is to appoint fiduciaries to run the…

Monetizing The SECURE Act

…guidance on how to best evaluate these programs and optimally align programs with opportunities. Learn more about the pros and cons of each type of design and how to best meet the needs of the enterprise recordkeeping partner to the investment manager and individual advisor….

Tools

Tools Our many retirement planning tools and calculators are designed to take you through the different stages of retirement planning. Get started building your financial future today! 2020 401(K) Day Materials 2019 401(k) Day – Get in the Game! Pentegra’s Building Block Poster Series Recommended…

Not So PEPpy? Think Group of Plans

…– SEP, PEP, GoP, or MEP – outsourcing fiduciary duty to a reputable third party can save time, money and hassle. A third-party administrator (TPA) is, by design, someone who can keep track of all of the regulations, deadlines, changes, and other ins and outs…

Long Awaited BOLI Clarification

…minus the initial cost basis as of the date of the transaction/acquisition. That amount could also be adjusted periodically if additional premiums were paid – thereby decreasing the DTL — or if the policy death benefit changed due to policy design or market conditions. If…

3(16) Administration—Make the Path Simple

…other parties, including the company’s own administrators and other TPAs – is designed to illustrate some of the problems our clients and prospective clients have experienced, and how Pentegra was able to solve them. 5500 Foibles We’ve all been guilty of blindly signing/agreeing to terms…

Keep It Simple!

…is intended to help participants design their 401(k) plan accounts in an uncomplicated way that is easy to understand. Many companies’ 401(k) plans include simple, yet effective tools, such as automatic enrollment, where the plan sponsor chooses a “default investment” for employees’ contributions. These default…

Are More Modifications Needed Before We Feel SECURE?

…As with the Multiple Employer Plan (MEP), the economies of scale allow the participating employers to charge lower fees than traditional plans. Both models are designed to benefit small businesses who otherwise might struggle to afford a traditional plan. What is different is that, with…