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A Few Notes on Labor Productivity

…Labor productivity is defined as the total amount of output produced per hour of labor, and is reported quarterly for the US economy by the Bureau of Labor Statistics. When labor productivity is growing slowly or declining, this could actually be a signal that more…

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…

Taking Steps to Improve Your Fiduciary Position

…gains for investors. Still, compliance remained for many a nebulous area; after all, most if not all firms claim to be acting in their clients’ “best interests” in the first place. A recent study by investment consulting firm Callan, “2018 Defined Contribution Trends,” reports: Plan…

Aligning Plan Design with Client Goals

…need. Plan designs can vary in important ways. For example, depending on the plan: contributions can be discretionary or mandatory. They can favor older employees over younger ones. They can accumulate a balance like a 401k or a promised benefit as in defined benefit plan….

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…

Will The Impossible Be Fun This Time?

…these locations are expecting deflation. If inflation is defined as paper currency losing value against real goods – a phenomenon that requires savers to be compensated with positive, real interest rates – it follows that deflation means that paper money is becoming more valuable over…

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…