2019 PLANSPONSOR National Conference

Renaissance Hotel, Washington D.C.  |     |  

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HSA Essentials

DC Plan Essentials

Day 1

Day 2

Day 3

Wednesday, June 5, 2019

  1. -

    Registration and Breakfast

  2. -

    Regulatory and Legislative Update: The latest on what’s in store for HSAs in Washington from initiatives in Congress and at the regulatory agencies.

  3. -

    HSA Administration Best Practices: What should sponsors of HSAs know about common challenges in HSA admin and how they can be avoided.

  4. -

    The Relationship Between Retirement Plans and HSAs: HSAs are not just an HR offering or just part of a health insurance conversation, but part of an overall benefits program. For employers, there are many considerations about how the accounts integrate or mirror the retirement plan. The panel will also discuss how to consider allocating employer dollars among health and retirement savings vehicles.
    Presenting: Kevin Robertson, Senior Vice President, Chief Revenue Officer, HSA Bank

  5. -

    Coffee Break

  6. -

    Employee Education, Financial Wellness and HSAs: One of the largest challenges for participant engagement with HSAs is how they fit into an employee’s broader financial picture. As employees have several workplace options for saving—traditional 401(k)s, Roth 401(k)s, HSAs, etc.—and various debt obligations—student loans, mortgages—the discussion of how to best allocate their money is imperative, but also complex.
    Presenter: Fidelity

  7. -

    Managing Investment Menus within HSAs: As HSAs are both a short-term and long-term savings vehicles, many are allowing for investments to help participants increase their savings through market access. Considerations for allowing investments in the HSA and what considerations should be made when selecting a lineup.
    Presenter: Franklin Templeton

  8. Closing Remarks

Wednesday, June 5, 2019

  1. -

    Registration and Breakfast

  2. -

    Are You an ERISA Fiduciary and What Does That Mean? Fiduciary fundamentals and understanding what can, or cannot, be outsourced as it relates to fiduciary responsibilities. For 403(b) plan sponsors, this session will also address how to determine whether they are governed by ERISA.

  3. -

    Latest Plan Document Requirements and Operating According to the Plan: Plan sponsors need to know what is in their plan document and make sure the plan is operating in accordance. This session will cover the elimination of the determination letter program and the new prototype program for 403(b) plans, and will address the new required amendment list the IRS issues each year.

  4. -

    Coffee Break

  5. -

    What Plan Committees Need to Know About Investments and Fees: Tips for selecting and monitoring investments as well as for monitoring fees for investments, recordkeepers and other service providers to make sure they are reasonable in relation to the value being provided.

  6. -

    What to Expect From Your Service Providers: This session will cover what functions are typically handled by recordkeepers, points for monitoring service providers and how to determine whether it’s time for a change.

  7. -

    Closing Remarks

Wednesday, June 5, 2019

  1. -

    Registration with Buffet Lunch (Grand Ballroom Foyer)

  2. -

    Opening Remarks (Renaissance Ballroom)
    Alison Cooke Mintzer, Editor-in-Chief, PLANSPONSOR

  3. -

    Town Hall … What’s On The Minds of Plan Sponsors: Two retirement executives kick off this year’s PLANSPONSOR National Conference in a town hall, answering questions from the plan sponsors in the audience. Moderated by Alison Cooke Mintzer, this town hall format will provide expert opinions and perspectives on some of the trends and the issues most concerning plan sponsors today.
    Speaker:
    Joseph Ready, Executive Vice President and Director, Wells Fargo Institutional Retirement and Trust
    MetLife

  4. -

    Leaders of the Pack: PLANSPONSOR Plan Sponsor of the Year Winners discuss their plans, and how they’ve been able to achieve such high success metrics.
    ModeratorRebecca Moore, Managing Editor, PLANSPONSOR.com

  5. -

    Coffee Break (Renaissance Ballroom Foyer)

  6. -

    Washington Update: Leading attorneys explain retirement-related developments in Washington, D.C., and state capitals across the U.S. We’ll dive deep into the latest legislation and regulations impacting retirement plan sponsors and participants.
    Moderator: Judy Faust Hartnett, Managing Editor, PLANSPONSOR magazine

  7. -

    Invited Keynote: Jonathan McBride, Managing Director and Global Head of Inclusion and Diversity at BlackRock

  8. -

    Cocktail Reception (Exhibitor Hall-Grand Ballroom)

Thursday, June 6, 2019

  1. -

    Breakfast (Exhibitor Hall-Grand Ballroom) Sponsored by Milliman

  2. -

    Opening Remarks (Renaissance Ballroom)
    Alison Cooke Mintzer, Editor-in-Chief, PLANSPONSOR

  3. -

    Sponsored Case Study

  4. -

    Keynote
    Sponsored by Charles Schwab

  5. -

    Coffee Break (Exhibitor Hall-Grand Ballroom)

  6. -

    Session 1 (Renaissance Ballroom)
    Discouraging Plan Leakage: Best practices for updating loan policies to discourage participants from taking plan loans. The implications of the new hardship withdrawal rules.

    Session 2 (Congressional Hall)
    Is it Time for an RFI/RFP? Questions sponsors need to be asking when deciding whether it is time to look for a new recordkeepers or if it is possible to improve the relationship with the current provider.

    Session 3 (Mount Vernon Square)
    Investment Strategies for DB Plans: What lessons can be learned from the market plunge at the end of 2018 about liability-driven investing (LDI) glidepaths? How much liquidity should DB plan sponsors keep in their portfolios? When should a DB plan sponsor consider using an outsourced chief investment officer (OCIO)? What are some new investment strategies DB plan sponsors can use to mitigate risk and increase funded levels?

  7. -

    Session 1 (Renaissance Ballroom)
    Making Cents of Financial Wellness: “Financial wellness” may be a hot phrase in the retirement plan industry, but there’s no agreement on what it means or expected outcomes—or even an anticipated ROI. Each person–adviser, provider, plan sponsor–has a different idea of what financial wellness is, from simply a holistic education program, to a student loan benefit, to an integrated HSA, to something else. In this session, expert panelists will discuss and debate various delivery mechanisms, the role of fintech, topics that should be addressed with employees, the options for providers-those affiliated with the plan or outside specialists, as well as in and out of plan solutions to help lessen financial stress and improve retirement outcomes of Americans.
    Panelists:
    ADP
    Rachel Weker, Products and Platforms Vice President, T. Rowe Price
    John Hancock Retirement Plan Services

    Session 2 (Congressional Hall)
    Understanding Retirement Income Products. Retirement income is overwhelming! As participants accumulate most of their wealth in payroll deferral savings plans, it means they are increasingly looking to their plan sponsors for guidance. In this hour-long session, panelists will present different options for retirement income products types to help advisers understand the current landscape, which may include (but are not limited to) in-plan insurance products, managed payout funds, managed accounts, and out-of-plan annuity windows.
    Panelists:
    John Doyle, SVP Senior Retirement Strategist, Capital Group, home of American Funds
    Optum
    Pacific Life

    Session 3 (Mount Vernon Square)
    Going All-In on ESG in ERISA Plans: This panel will zoom into a number of insightful case studies of progressive plan sponsors, advisers and fund managers that have gone all-in on environmental, social and governance (ESG) investing in the context of Employee Retirement Income Security Act (ERISA) plans. Attendees will learn the best ways to communicate about ESG when it comes to easing plan sponsors’ fiduciary concerns. They will also learn about the risk-reduction and performance benefits that ESG can bring, while getting up to speed on what various regulators, including the Department of Labor, have to say about the role of ESG in tax-qualified retirement plans.

  8. -

    Lunch (Exhibitor Hall-Grand Ballroom)

  9. -

    Workshop 1 (Renaissance Ballroom) Sponsored by MassMutual

    Workshop 2 
    (Congressional Hall)

    Workshop 3 
    (Mount Vernon Square)

  10. -

    Session 1 (Renaissance Ballroom)
    Criteria to Consider When Selecting a Retirement Plan Adviser: What retirement plan sponsors need to consider when selecting a retirement plan adviser. Will they offer suggestions on best practices? How have they measurably improved other plans? Do they offer 3(21) and 3(38) fiduciary services? Can they train the retirement committee? Have they served companies in the same industry and of similar size? Do they offer participant education and/or advice and financial wellness programs? Can they provide one-on-one sessions with participants?
    Panelists:
    Brandon Radach, Managing Director Midwest DCIO, John Hancock Investments

    Session 2 (Congressional Hall)
    The Competition for (Retirement Plan) Dollars: Not only is retirement a significant financial priority, but employees are also looking for help with college savings, paying back student loans, funding emergencies and broader financial wellness needs. Understanding how to help participants consider their savings across Roth vs pre-tax, HSAs, other supplementary savings plans and employee needs is complicated. How does the “fragmentation” of allocating benefits dollars impact sponsors and employees?
    Panelists:
    Kevin Robertson, Senior Vice President, Chief Revenue Officer, HSA Bank

    Session 3 (Mount Vernon Square)
    The Evolving Optimal QDIA: Identifying the optimal default for a plans participant demographics is critical particularly when new innovative default trends are coming to light, especially in the areas of managed accounts and hybrid QDIAs, among others.
    Panelists:
    Nick Nefouse, Head of DC Investment Strategy and Co-Head of LifePath®, BlackRock

  11. -

    Session 1 (Renaissance Ballroom)
    Being Prepared for DOL Audits: What sponsors need to have on file and to check in the event of an audit by the Department of Labor. What are common mistakes that plans make and what areas is the DOL focusing on?
    Panelists:
    Milliman

    Session 2 (Congressional Hall)
    How Are Different Employee Groups Benefiting From Your DC Plan? Are low-wage earners struggling financially because their paychecks have been reduced by automatic enrollment? Are high-wage earners getting the maximum savings in your defined contribution plan? This session will explore statistics plan sponsors can use beyond the traditionally measured—such as opt-out rates, savings rates, loan and hardship withdrawal usage by age, income, career stage—plan sponsors can use to make plan design decisions and develop communication strategies for optimal participant outcomes.

    Session 3 (Mount Vernon Square)
    403(b) Plan Remedial Amendment Period: The last day of the remedial amendment period for 403(b) plans is March 31, 2020. What does the remedial amendment period offer 403(b) plan sponsors? What do the plan sponsors need to review and do to make sure they are in compliance? Will a pre-approved plan document fit all 403(b) plans, and if not, what should plan sponsors do?

  12. -

    Coffee Break (Exhibitor Hall-Grand Ballroom)

  13. -

    The Lessons from Litigation (Renaissance Ballroom)
    Moderator: Alison Cooke Mintzer, Editor-in-Chief, PLANSPONSOR

  14. -

    Case Study (Renaissance Ballroom)
    Sponsored by Prudential

  15. -

    Cocktail Reception (Exhibitor Hall-Grand Ballroom)

Friday, June 7, 2019

  1. -

    Breakfast (Exhibitor Hall-Grand Ballroom)

  2. -

    Opening Remarks 
    (Renaissance Ballroom)

    Alison Cooke Mintzer, Editor-in-Chief, PLANSPONSOR

  3. -

    Editorial Topic

  4. -

    Invited Speaker

  5. -

    Coffee Break (Exhibitor Hall-Grand Ballroom)

  6. -

    DC Plan Jargon Stymies Participant Success: The term “glide path” resonates with only 4% of participants surveyed by Invesco, despite being the most common term used by advisers, providers and plan sponsors when talking about target-date funds; survey data shows numerous other areas where industry jargon holds back participant understanding. Attendees will learn exactly what words and phrases mislead and confuse participants, and conversely, what language best resonates with DC plan investors.
    Moderator: Judy Faust Hartnett, Managing Editor, PLANSPONSOR magazine

  7. -

    PS Confidential: Discussions over lunch will be led by PLANSPONSOR editorial staff. An opportunity for plan sponsors to network with peers and discuss what’s on their minds, and how they will take what they heard over the conference back to their desks.

Sponsorship Information

Katie Bacon | 203-595-3184 |

General Information

Carol Popkins | 203-461-0985 |