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What is a Multiple Employer Plan (MEP)?

…cost, fiduciary, and administrative issues. Any employers that are considering participating in a MEP should carefully assess whether a MEP is the type of retirement plan that best meets its needs and if so, which MEP can provide the employer with the services it deserves….

The Pitfalls of Taking a Loan From Your Retirement Plan

…keeping the accumulated savings invested in the plan. It is possible to take a loan from one’s 401(k) plan – something that many participants may not even be aware of (and which it would probably be best if they were not). Although health emergencies may…

Building A Better 401(K) – Part One

A blog by Richard Rausser, CPC, QPA, QKA, Senior Vice President – September 16, 2014 To paraphrase Mark Twain, reports of the death of the 401(k) are greatly exaggerated. In fact, they’re not even true. Google “401(k) gamble” and you will find seemingly endless citations…

Is Trade Fair or Unfair?

…country produces the products they are the best at (i.e., produce most efficiently), everyone is better off over the long haul, so long as displaced workers can be retrained and trade agreement provisions provide a level playing field. This theory is known by economists as…

Managing Money Market Reform

…offering only government money market funds as a short term investment option is in the best interest of its 401(k) plan sponsors and participants. Plan sponsors and participants expect money market fund investments to be simple to understand and protected from surprises such as markdowns…

Bond Fund Investing 101

…class (or for that matter, purchase one), what we can do is guide clients to ask the questions that are important, and find answers that make sense so that each individual can make their own decisions based on what is best for their individual circumstances….

Why Permitted Disparity Matters

…with us first to make sure this is the case for your client’s plan. Call on us any time to talk about optimizing profit sharing contributions or to have us share illustrations on how any of these methods may work best for a client’s situation….

Pension, Retirement & Markets: 5 Key Trends to Watch in 2020

…Fiduciary Standard How has it been impacted in 2018 and 2019 2020 Outlook – SEC Best Interest (BI) Standard SECURE Act How will the SECURE Act affect the retirement industry Pentegra view Exchange traded funds (ETFs) Review of ETFs Will ETFs continue their rapid growth?…

The Importance of Plan Compliance

…the necessary steps are taken to make certain the plan is in compliance with the vast number of regulatory requirements that need to be satisfied. One of the best ways to assure proper compliance is to keep your service providers informed of any major changes…

Retaining Millennials in the Workplace: Boost Benefits

…Offering a 401(k) match is key for companies that are looking to retain millennials. It’s not only a major contributing factor when millennials are first contemplating which company is going to be best for them to work at, but also whether they will stay there…

Some Thoughts on 401(k) Day

Each year, plan sponsors are encouraged to celebrate 401(k) Day by promoting their retirement plan. This year, National 401(k) Day is on September 8. Offering participants a plan designed with their best interests in mind, along with effective savings and accumulation strategies, and corresponding decumulation…