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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….

Feeling More SECURE About Retirement

…seen since the Pension Protection Act of 2006, when Congress made it easier for employers to enroll workers automatically in 401(k)-type plans. One of the key provisions of the SECURE Act is designed to help those working at small businesses to save for retirement in…

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! 2022 401(k) Day Materials – Know Your Numbers 2021 401(k) Day Materials – REFOCUS REVIVE RESET 2020 401(k)…

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…

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…

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…

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…

The All New Pentegra OnLine

We’re excited to introduce you to the all new Pentegra OnLine Participant Portal! The newly designed website offers: Easy to use features and menus Streamlined navigation Device responsive access A new Retirement Income Optimizer Tool…