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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! 2021 401(k) Day Materials – REFOCUS REVIVE RESET 2020 401(k) Day Materials 2019 401(k) Day – Get in…

Everyone Into the Pool? Not So Fast…

…As such, it can make decisions about PEPs as outlined under the SECURE Act, although participating employers or another designated third party can also be assigned those duties. (PEPs, incidentally, will be available starting January 1, 2021.) The PEP provisions, in turn, require that each…

That’s Why They Invented (Virtual) Erasers

…avoid errors. Outsourcing responsibility by engaging an independent fiduciary also helps plan sponsors design a more effective plan that is compliant and easy to administer. Providing these and other valuable fiduciary services give plan sponsors more time to run their business. Oh, and we have…

Tales of 401(k) Administration Gone Awry – Part 2

…these problems – most of which a third-party administrator can address – but those which will remain one of your chores? Designing a plan smartly – and sticking with it – is of course the top priority. Doing so in a way that avoids doing…

It’s Always a Good Time to Rethink Retirement Strategies

…also improve through lower cost turnkey programs specifically designed for small business which, in total, we estimate can unlock an additional $5 trillion in retirement assets. $5 trillion is certainly nothing to sneeze at … especially as the nation’s retirement savings figures continue to be…

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…

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…

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…