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What is a Roth 401(k)?

…and traditional 401(k) contributions, subject to the maximum contribution allowable under 401(k) rules, but contributions to a Roth 401(k) account are irrevocable, meaning that once a participant designates a contribution as a Roth 401(k) contribution, those assets may not be re-directed as traditional 401(k) contributions….

The Millennial Mindset

…best practice guide to plan design and savings strategies to help everyone achieve successful outcomes. Automated savings and investment features can be built right into a retirement plan’s design to help millennials plan their future, their way and on their time. In fact, 64% of…

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

…include: must be run by a PPP (Pooled Plan Provider); must designate one or more bank[2] trustees who are not participating employers to ensure contributions are properly collected and remitted and hold assets for safekeeping; no unreasonable restrictions, fees, or penalties. Electronic Delivery as the…

Target Date Funds

p>Target date funds, also sometimes called ‘age-based’ or ‘time horizon’ funds, are a series of balanced investment portfolios designed to correspond with a particular retirement time horizon. These funds seek to meet retirement goals through a combination of capital appreciation and income. WHY USE TARGET…

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…

“Why It Matters” Before “How It Works”

…have many plan designs and options to offer depending on what we determine may be a best fit for your clients. The temptation is to quote them what they ask for. We think the better approach is to first invest a little time in understanding…

FAQ’s About Required Notices

When does the safe harbor plan notice have to be distributed? If your 401(k) plan has a safe harbor design, you must provide eligible employees with a written notice at least 30 days and not more than 90 days before the beginning of every new…

Understanding Asset Classes

…money for at least several years. WHAT ARE FIXED INCOME FUNDS? Fixed Income investments are designed to protect the value of your money over short periods of time. These types of investments generally present a low risk of losing principal. Fixed income funds include money…

How to Work with your Pentegra Team

…administrative burden to understanding best practices in plan benefits, this webinar will introduce you to: Common administrative mistakes and how to avoid them Tips and tricks from real Pentegra staff members to streamline your workload Overview of automatic plan features Recommendations for efficient plan design

Payroll – It’s More than a Detail

Every retirement plan design begins with a study of a company’s payroll. It’s the essential information that drives thinking around how to optimize tax and savings potential for both business owners and their employees. Once a plan is installed, we rely on payroll data to…