(b)Lines Information and Insights for the 403(b) community / brought to you by PLANSPONSOR.
April 5th, 2016
Stress from managing debt and saving for retirement has an impact on work life, and employers are combatting the problem with financial education.Read more >

Longevity Challenges Conventional Social Security Wisdom

Conventional wisdom has it that lower-income workers should get the most out of Social Security, but that’s not necessarily the case given uneven increases in longevity across income groups.Read more >

Cookie-Cutter Won’t Work for Financial Wellness Programs

It may seem obvious what financial help each generation needs, but when employers ask employees what they need, they may be surprised.Read more >
PLANSPONSOR’S annual Defined Contribution Survey measures and evaluates the satisfaction levels of 401(k) and other DC providers according to feedback from their plan sponsor clients. “Best in Class” awards are based on the average rating received in each of 23 service attributes.Read more >

QDIA Analysis: Who’s Using Which?

The 2015 PLANSPONSOR Defined Contribution (DC) Survey reveals which qualified default investment alternatives (QDIAs) are being used by plan sponsors in different market sizes.Read more >

DOL Weighs in on Fidelity Float Income Suit

In an amicus curiae brief filed with the 1st U.S. Circuit Court of Appeals, the Department of Labor (DOL) notes that the Employee Retirement Income Security Act (ERISA) prohibits retirement plan fiduciaries from using undisclosed float income obtained through plan administration for any purpose other than to benefit the ERISA-covered plan.Read more >

Financial Fitness Group (FFG), a company that offers unbiased personal finance education to organizations, notes that studies show financially unfit employees can waste up to 20 hours per month while on the job. So, for a limited time, it is offering employers the ability to determine their “Financial Fitness Score”—for free.Read more >

Why Sponsor So Many Retirement Plans?

“I just started to work for a mid-sized health care organization, and it turns out that they have 10 different plans with 10 different plan documents! Is there any reason in the world a not-so-large organization would be administering 10 separate plans? Just the 5500 filing process—all of the plans are subject to the Employee Retirement Income Security Act (ERISA)—which I am commencing now, is exhausting!”Read more >

David Levine and David Powell, with Groom Law Group, and Michael A. Webb, vice president, Retirement Plan Services, Cammack Retirement Group, will field your questions concerning 403(b) plans and regulations. Send them to rmoore@assetinternational.com with Subject: Ask the Experts. Answers may be printed in future (b)lines. This feature is to provide general information only, does not constitute legal advice, and cannot be used or substituted for legal or tax advice.

Barry’s Pickings Online: Passive Aggression

Columnist Michael Barry discusses the passive versus index investing debate and why defense is hard in excessive fee cases.Read more >

Editorial: Alison Cooke Mintzer alison.mintzer@strategic-i.com

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