2015 PLANSPONSOR National Conference

Opening Remarks: Alison Cooke Mintzer, Global Editor-in-Chief, PLANSPONSOR

Fiduciary Fundamentals: Best Practices to Stay Out of Trouble
Presenters:
Leah Morgan Singleton, Counsel, Alston & Bird

The Importance of a Committee: Running Your Plan
Presenter:
Lisa H. Barton, Partner, Morgan, Lewis & Bockius LLP

Coffee Break

Target-Date Funds: Understanding the asset class
Presenter:
Toni Brown, Senior DC Specialist, American Funds

Fees: What is reasonable and what is required
Presenter:
Phyllis E. Klein, Senior Director Consulting Research Group, CAPTRUST Financial Advisors

Ask the Experts

Re-Visioning Retirement: New Timing, New Purpose, New Planning, New Funding

Maddy Dychtwald is a nationally recognized author, co-founder of Age Wave and leading expert on the changing demographic trends that shape the marketplace, the workplace and our lives. Having spent almost 30 years investigating and forecasting the lifestyle, marketing and retirement implications of the age wave, she has also emerged as an authority on the economic ascent of women, including its impact on various industries, such as financial services, health care and consumer marketing. 
SPEAKER: Maddy Dychtwald, Author, Co-founder of Age Waves 
 Click here for audio

Session 1
CEO Roundtable

Retirement plan industry leaders discuss practical solutions for retirement plan sponsors

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Moderator
Alison Cooke Mintzer, Editor-in-Chief,  PLANSPONSOR

Panelists
Eric H. Wietsma, Senior Vice President, Retirement Services Sales & Worksite Education,  MassMutual Retirement Services
Joe Ready, Executive Vice President,  Wells Fargo Institutional Retirement and Trust
Peter Gordon, Chief Executive Officer,  John Hancock Retirement Plan Services
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Session 2

Session
What Success Looks Like

Stories of plan design, education, and fiduciary solutions from PLANSPONSOR Plan Sponsors of the Year

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Moderator
Rebecca Moore, Managing Editor,  PLANSPONSOR.com

Panelists
Stephen T. Best, Vice President, Director of Compensation and Benefits,  JE Dunn Construction
Kit Brady, Vice President of Human Resources, Education and Guest Experience,  Gillette Children’s Specialty Healthcare
Tim Atkinson, Chair,  City of Austin Deferred Compensation Committee

Session
The Regulatory Environment

An update on the legislative, regulatory and policy happenings in Washington

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Moderator
John Manganaro, Associate Editor ,  PLANADVISER & PLANSPONSOR

Panelists
Marcia S. Wagner, Managing Director,  The Wagner Law Group
David N. Levine, Principal,  Groom Law Group, Chartered

Session
Top Trends   

Two industry leaders take a 30,000 foot level view of employer-sponsored benefit programs, participant trends, and what is likely to stay and change in the short- and long-term

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Moderator
Alison Cooke Mintzer, Editor-in-Chief,  PLANSPONSOR

Panelists
Sean McLaughlin, Senior Vice President, Client Relations & Business Development,  Prudential Retirement
Greg Wilson, Managing Director, Head of Platform Solution Group for North America,  Goldman Sachs Asset Management

Breakfast – sponsored by Milliman (Imperial Ballroom lower level B2) 

Using Plan Design to Help Drive Engagement

Participants understand that they are responsible for planning their retirement, but many struggle with how to do it. As plan sponsors and service providers, we work hard to reach them and get them engaged, but broad engagement remains elusive for many plans. In this keynote presentation, Steve Anderson, head of Schwab Retirement Plan Services, Inc., will share his perspective on how smart plan design can help to drive engagement among participants and support them in reaching their retirement goals.

SPEAKER: Steve Anderson, President, Schwab Retirement Plan Services, Charles Schwab
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Session 1
Implementing Retirement Readiness Benchmarks

Setting a goal of participant retirement readiness is the easy part. Understanding how to evaluate that goal can be a challenge. This panel will discuss how to define retirement readiness; the measures that can be used to evaluate retirement readiness; the tools and services plan sponsors can use to benchmark their plans; and what next steps are once they start measuring.

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Moderator
Bradley K. Arends, J.D., Chief Executive Officer and Senior Consultant,  Alliance Benefit Group Financial Services, Corp.

Panelists
Laraine McKinnon , Managing Director,  BlackRock
James Nichols, Head of Advice and Strategy Services,  Voya Financial

Session 2
Plan Audits: Click here for audio 

Can the annual plan financial audit warn plan sponsors about plan errors? What common errors do regulators find in retirement plans? What should plan sponsors do if they are notified of an audit?

Moderator
Judy Faust Hartnett, Managing Editor,  PLANSPONSOR

Panelists
Brandy Cross, Principal,  Milliman
Mark Koeppen, Vice President, Rollover Solutions Group,  Millenium Trust Company

Session 3
Nonqualified and Executive Compensation Plan Design and Trends: Click here for audio 

How can sponsors of nonqualified plans increase plan participation? How can sponsors increase financial help for executives? What are new or common trends among nonqualified plans?

Moderator
Rebecca Moore, Managing Editor,  PLANSPONSOR.com

Panelists
Jeff Roberts, Executive Deferred Compensation, Product Consultant,  ADP
Robert A. Kieckhefer, Managing Director,  The Kieckhefer Group

Session 1
Designing Plans for Optimal Outcomes: Click here for audio
How should plan sponsors define “optimal outcomes” for their retirement plan and participants? What plan design features or participant services will help participants reach optimal outcomes? How should plan sponsors measure participant outcomes and the success of their plans?

Moderator
Alison Cooke Mintzer, Editor-in-Chief,  PLANSPONSOR

Panelists
Michael Swann, Director, Defined Contribution Strategies,  SEI
Rennie Worsfold, Vice President,  Financial Engines
Peter Kapinos, Head of Client Engagement,  Empower Retirement

Session 2
Plan Decumulation Strategies and Products: Click here for audio 

Is it important to offer decumulation products in your plan or not? What decumulation options/strategies are currently available and how do they differ? How will offering these products up your fiduciary risks? Adjusting plan documents for decumulation strategies.

Moderator
Rebecca Moore, Managing Editor,  PLANSPONSOR

Panelists
Gordon Tewell, Principal,  Innovest Portfolio Solutions LLC
Glenn Dial, Head of Retirement Strategy,  Allianz Global Investors
Shale W. Latter, Retirement Plan Consultant,  CapTrust Advisors, LLC

Session 3
DB Plan Pension Risk Transfer: Click here for audio 

How have economic conditions impacted pension risk transfer pricing over the last year, and looking forward, does it still appear to be a favorable time for PRT? What does it take to prepare for a PRT transaction, and what can plan sponsors interested in PRT do to prepare their plans? What are the different forms of PRT, and have popular methods served plan sponsors well in recent years? Beyond the investment portfolio, what conditions should plan data and administration processes be in to bring PRT success?

Moderator
John Manganaro, Associate Editor,  PLANADVISER & PLANSPONSOR

Panelists
Marty Menin, Director – Retirement Solutions Division,  Pacific Life
Geoffrey Dietrich, Vice President,  Dietrich & Associates
Mike Devlin, Principal,  BCG Terminal Funding Co.

OVERVIEW: A special hands-on session designed to “drill down” into a topic of strategic value to our plan sponsors and retirement plan adviser audience.

-Workshop: Sponsored by Custodia Financial (Crystal Room level 3)

The Growing Fiduciary Risk of Loans to Terminated Employees – and an Actionable Solution
Participant loans are under siege. Some want to eliminate them entirely, but they’re preferable to hardship withdrawals that permanently reduce account balances. While loans are an effective way for savers to access funds for emergency needs, they cause billions of dollars in preventable leakage every year when employees are terminated. For many, this diminishes the potential of achieving retirement readiness. This can also leave fiduciaries vulnerable to potential liability for approving plan loans. Learn how to better navigate this issue while helping participants avoid costly erosion of their retirement savings. We’ll discuss:
• The fiduciary function and risks of loan policy implementation and approvals …i.e., the duty to disclose
• Solutions for preventing leakage caused by loan defaults
• How Retirement Loan Eraser mitigates fiduciary risks and improves participant outcomes
Moderator: Tod Ruble, CEO, Custodia Financial

Panelists:
Bruce L. Ashton, Partner, Drinker Biddle & Reath LLP
Dave Liebrock, Retirement Industry Consultant and former executive at Fidelity Investments and CapTrust Advisors

Click here for audio

-Workshop: Sponsored by MetLife (Gold Room level 2)

Qualifying Longevity Annuity Contracts: A Primer
As defined contribution (DC) plans have evolved, so too have the ways in which to distribute assets from the plan upon transition into retirement. This workshop will review the options available to plan participants to ensure better retirement outcomes, including guaranteed lifetime income solutions such as immediate income annuities and longevity insurance. A key component of the workshop will be a discussion about qualifying longevity annuity contracts (QLACs), which allow individuals to create a guaranteed income stream through an annuity that is payable later in life (at or before age 85). The presenter will review the benefits of QLACs for plan sponsors and participants, and provide a how-to for incorporating a QLAC as part of the plan.
Presenter: Roberta Rafaloff, Vice President, Institutional Income Annuities, MetLife

CASE STUDY
Hosted by Milliman (International Ballroom level 2)

Retirement Plan Attributes of Best in Class 401(k) Winner CliftonLarsonAllen LLP
Join Best in Class 401(k) winner CliftonLarsonAllen LLP and their partner Milliman as they discuss the hurdles they faced and overcame on their way to developing and delivering a Best in Class 401(k) plan to the employees of the firm.

Presenters:
John C. Stiglich, CPA, CFP®, PFS, AIF®, Principal, CliftonLarsonAllen LLP
Gerald Erickson, CPC, QPA, QKA, AIF®, Principal, Milliman, Inc.

Session 1
Avoiding Lawsuits: Click here for audio
What liabilities have recent lawsuits and settlements highlighted for retirement plan fiduciaries? Are the DC and DB sides of the industry both facing scrutiny? In what ways are the legal challenges of running a DC and DB plan the same? Different? DC investment menu share class and fee litigation tends to dominate headlines, but are those the most common or costly challenge? What changes or extra protection should plan fiduciaries consider to avoid litigation and ensure a compliant plan?

Moderator
John Manganaro, Associate Editor,  PLANADVISER & PLANSPONSOR

Panelists
Jamie Fleckner, Partner,  Goodwin Procter LLP
Scott Liggett JD, Director, ERISA Oversight,  Lawing Financial Inc. Qualified Plan Advisors

Session 2
Set it and Forget It Investments: Click here for audio

Not all target-date funds are the same. How do they differ? What kind of due diligence can be done to select the right one for your plan? How to move your participants into the default? When might TDFs not be the right choice as your QDIA? Which solution is right for your plan participant demographics?

Moderator
Alison Cooke Mintzer, Editor-in-Chief,  PLANSPONSOR

Panelists
Jeffrey L Hemker, National Sales Manager – Retirement Division,  Invesco
Nathan Voris, Large Market Practice Leader,  Morningstar
Gene Huxhold, Senior Managing Director, Investment Only Retirement Plans, Institutional Sales Group ,  John Hancock Investments

Session 3
The Intersection of Health Care and Retirement:  Click here for audio 

Is it feasible for plan sponsors to offer additional options to help participants save for health care in retirement (i.e. HSAs or post-retirement health care benefits?) Should plan sponsors include a health care component in retirement education for employees, and how can they do this? What are some strategies to keep health care benefit costs down to keep the total benefit budget manageable?

Moderator
Rebecca Moore, Managing Editor,  PLANSPONSOR.com

Panelists
Brian Coleman, Director of Benefits, Compensation, Payroll and HRIS,  Dawn Foods
Robert A. Massa, Director, Retirement,  Ascende
John Carnevale , President and CEO,  Sentinel Benefits

Session 1
Managing Administrative and Investment Fees: Click here for audio
What are the best ways to benchmark plan fees? What types of fees should plan sponsors look out for? How can plan sponsors renegotiate fees?

Moderator
Attila T. Toth, Partner, Co-Founder,  Portfolio Evaluations Inc.

Panelists
Dan Peluse, Director Corporate Plan Services,  Wintrust Wealth Management
Barbara Best, Principal,  Capital Strategies Investment Group LLC

Session 2
Participant Advice: Click here for audio

What are various methods for offering participant advice (managed accounts, one-on-one sessions with advisers, etc.) Who retains fiduciary responsibility for advice offerings? What can you do when you can’t afford or don’t want to offer a traditional method of advice, but you want to help educate participants?

Moderator
Judy Faust Hartnett, Managing Editor,  PLANSPONSOR

Panelists
David Gray, Vice President, Client Experience,  Charles Schwab
Jeremy Hersch, Vice President, Investment Solutions,  Transamerica

Session 3
Plan Transitions: Click here for audio

Best practices in preparing, and undergoing transitions from one recordkeeper to another.

Moderator
Rebecca Moore, Managing Editor,  PLANSPONSOR.com

Panelists
Michael Sanders, Principal,  Cammack Retirement Group
Jason Chepenik, Managing Partner,  Chepenik Financial

Session 1
Using an Adviser or Consultant For Your Plan: Click here for audio
What value can a specialist adviser or consultant bring to a plan sponsor and committee? How can a plan sponsor find, select and benchmark one? What responsibilities can an adviser take on? What services should sponsors expect and what fees should they pay?

Moderator
Alison Cooke Mintzer, Editor-in-Chief,  PLANSPONSOR

Panelists
Judi Leccese, Retirement Plans Manager,  Cabot Corporation
Stephen Popper, Managing Director,  SageView Advisory Group
L. Rita Fiumara, First-Vice President, Investments,  UBS Financial Services, Inc.

Session 2
Optimizing the Investment Menu: Click here for audio

Are investment menu consolidation and simplification in the best interest of plan participants? What should sponsors understand about the active vs. passive debate? What role does pricing play in building an investment menu? What other factors should be considered? What is the current best-practice thinking on designating a QDIA? Are TDFs going to continue rapid asset growth? Should plan sponsor use of custom funds or white-labeled funds increase?

Moderator
John Manganaro, Associate Editor,  PLANADVISER & PLANSPONSOR

Panelists
Michael Riak, Principal, Head of US Defined Contribution,  Pantheon Ventures
Toni Brown, Senior DC Specialist,  American Funds
Richard A. Davies, Senior Managing Director—Defined Contribution and Co-Head of Institutions North American Client Group,  AllianceBernstein

Session 3
DB Plan Investing: Click here for audio

Will the focus on implementing liability-driven investing principals continue in the DB space? What new thinking has emerged in recent years around LDI? Do trends such as “smart beta” and the increased use of alternative investments represent a shift for DB plans? How can plan sponsors address interest rate uncertainty and the prospect of lasting diminished returns? In an environment dominated by talk of freezing and terminating pensions, how should employers with no plans to terminate position the pension portfolios?

Moderator
Joseph Topp, Vice President, Investment Consulting Services,  Francis Investment Counsel LLC

Panelists
Phyllis E. Klein, Senior Director Consulting Research Group,  CAPTRUST Financial Advisors
Rocke D. Blair, Practice Leader–Cincinnati Market,  White Oak Advisors
Phil Kivarkis, US Director of Investment Policy Services,  Aon Hewitt

Cocktail Reception

Solving the Retirement Crisis
By most accounts, the U.S. faces a looming retirement crisis. As a plan sponsor or advisor, you are in the best position to change the direction the country is headed and improve the lives of your employees. But it requires some creative thinking, a little bit of innovation, and a re-thinking of how we position the value of retirement to plan participants. Join Brock Johnson, head of retirement solutions at Morningstar, to explore the steps you can take to change the course of the retirement crisis. 
Presenter:
Brock Johnson, President, Retirement Solutions, Morningstar, Inc.
Click here for audio

Session
Best in Class Plan Design

Plan sponsors speak about how they have made their plans best in class, the challenges they have faced, and what plan design elements have had the most influence on overall plan success.

Moderator
Alison Cooke Mintzer, Editor-in-Chief,  PLANSPONSOR

Panelists
Jeanette Wickoren, Senior Retirement Analyst,  Land O’Lakes, Inc.
Matthew R. Adamson, Senior Business Leader,  MasterCard

Session
The Evolution of Education

Education is moving from away from discussing investment classes to the value of saving, the importance of starting early and financial wellness–including financial issues not directly related to retirement plans. Plan sponsors have many options as they consider how to develop their education programs, whether using resources available through their adviser and/or recordkeeper, or in retaining other outside resources.

Moderator
Judy Faust Hartnett, Managing Editor,  PLANSPONSOR

Panelists
Michelle Barrett, Manager, University Retirement Programs,  University of Rochester
Richard Hartman, Corporate Benefits Manager – Retirement Plans,  American Woodmark Corporation
Sean M. Ciemiewicz, Principal,  Retirement Benefits Group
Joe Connell, Director of Retirement Plan Services,  Sikich Retirement Plan Services (Formerly Retirement Plan Partners)

What Participants Really Want
The truth behind participant retirement-plan decision making.
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Presenter: Alison Cooke Mintzer, Editor-in-Chief, PLANSPONSOR