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Target Date Funds

…participants in defined contribution retirement plans. By selecting a fund that is automatically rebalanced to follow a predetermined allocation strategy, participants can rely on that single fund to maintain the desired asset mix. SHOULD PARTICIPANTS USE TARGET DATE FUNDS AS THEIR SOLE INVESTMENT? Target date…

Cross Tested Plans

…of compensation. Each group receives a different level of contributions. While the classes of employees must be defined in the plan document, the actual contribution percentage can be decided at the end of each plan year. The plan generally provides higher contributions to older, higher-paid,…

What Is A Section 79 Plan?

…usually defined by how much insurance the business owner wants for him or herself. Everyone will be offered the same multiple of salary. Option 1, permanent insurance, will produce the largest reportable economic benefit added to the taxable income of the employee, Option 2 will…

The Valuable Lesson We Can Learn From Retirees

…and how can plan sponsors help today’s employees? Plan sponsor decisions matter Defined contribution plans—and 401(k) plans in particular—have undergone a dramatic shift since their creation nearly 30 years ago—evolving from what was once considered a supplementary retirement benefit to become the primary source of…

The Retirement Savings Deficit in America

…which have been made include: improvements in Social Security; auto-enrollment and other automated features in defined contribution plans; cost-efficient investment alternatives; and state and federal proposals to expand savings. It is therefore important to address the collective retirement savings gap on all fronts. 1 The…

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

…a child’s college, or other reasons. A 2014 study by financial services firm TIAA-CREF found that 29 percent of Americans with a 401(k) or other defined contribution retirement plan said they had taken out a loan from that plan … and that 43 percent of…

What 401(k) RESA Legislation Means for MEPs and PEPs

…respect to who can be the plan sponsor (as defined in ERISA Section 3(16)(B))—it must be an employer or a “group or association” of employers[3]. Many in the industry assume that service providers will be able to sponsor their own PEPs—perhaps this will end up…

Plan Audits

…prior year. We can help clients navigate the 80/120 rule based on their annual IRS Form 5500 filing information. For purposes of the 100 participant rule, a participant is defined as any employee of the sponsor who is eligible to participate in the plan, AND…