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Category Archives: Qualified Retirement Plans
When Can You Amend A Safe Harbor 401(k) Plan?
To say that the plan could not be changed for an entire year would be unrealistic, thus there are limited exceptions. Continue reading
Posted in Executive Benefits, Qualified Retirement Plans, Retirement, Retirement Plans
Tagged Safe Harbor 401(k)
Updated IRS Benefit Limits for 2013
Last Friday, after passage of the American Tax Relief Act of 2012 (ATRA), the IRS released final limits for 2013 Continue reading
10 Steps 401(k) Plan Sponsors Should Take This Year
The top tips include taking a fresh look at the plan’s default options, “white-labeling” your investment choices, and completing a compliance audit. Continue reading
Posted in Executive Benefits, Qualified Retirement Plans, Retirement, Retirement Plans
Tagged 401k, plan sponsor
Fiscal Cliff and Your Retirement
Congress has approved, and President Obama has signed, the American Taxpayer Relief Act of 2012 Continue reading
Posted in Executive Benefits, News & Updates, Qualified Retirement Plans, Retirement, Retirement Plans
Tagged fiscal cliff, roth conversion
Improve retirement outcomes in DC plans
PlanAdvisor points out key factors borrowed from Defined Benefit plans that could allow Defined Contribution (DC) plans to enhance an individual retirement plan. Continue reading
Posted in Qualified Retirement Plans, Retirement
Tagged db plan, dc plan, defined benefit, defined contribution
3 top Headlines about your 401(k)
Don’t be complacent about your 401(k). Take a peak at these three headlines to learn more about the questions you should ask and how you can begin answering them. Continue reading
Posted in Non Qualified Retirement Plans, Qualified Retirement Plans, Retirement
Tagged 401k, fee disclosure, mutual fund
2013 Q4 401(k) and benefits summary via Lockton
For the first time ever, retirement plan fiduciaries were required to receive a government-mandated summary of the fees charged to them by their 401(k) plan providers. Continue reading
Longevity risk brings insured products into retirement conversation
Corporations increasingly look to the expertise of insurers to manage longevity risk in the DB plans and begin to offer guaranteed lifetime income products within their DC plans. Continue reading
Posted in Executive Benefits, Qualified Retirement Plans, Retirement, Retirement Plans
Tagged defined contribution
Do you need to raise your 401(k) contribution rates?
The Employee Benefit Research Institute instead suggests that setting a higher starting point for new 401(k) contributions – a default level of 6 percent of pay, rather than the lackluster but traditional figure of 3 percent – could actually make a difference when it comes to producing tangible retirement savings. Continue reading
Posted in Executive Benefits, Qualified Retirement Plans, Retirement, Retirement Plans
Tagged 401k, 401k contribution
Rethinking Target Date Funds
In a new research paper he published yesterday, “The Glidepath Illusion,” he has blown this idea full of holes. “Shockingly,” he says, “the basic premise upon which these billions [of dollars] are invested is flawed.” Continue reading
