(b)Lines Information and Insights for the 403(b) community / brought to you by PLANSPONSOR.
August 15th, 2017

Participants Do Not Factor Tax Rates Into Retirement Savings Decisions

Researchers found that although education increased participants’ use of expected tax-rate changes in their plan choices, participants continued to display an economically “irrational” preference for pre-tax deferrals over Roth deferrals.Read more >

Survey Suggests Small-Balance Retirement Savers Hurt by Fiduciary Rule

FSR says, “access to investment services for investors with modest-sized and small account balances has been, and will continue to be, substantially diminished as a result of the best interest contract (BIC) exemption’s onerous compliance burdens and litigation risks.”Read more >
Having More Than One 403(b) Plan and Plan Type
“Our non-union employees participate in a 403(b) plan that provides for employee deferrals and employer contributions. We treat this non-union plan as subject to the Employee Retirement Income Security Act (ERISA). Our union employees participate in an employee deferral only 403(b) plan. We treat this plan as not subject to ERISA. Is this two plan approach permissible?”Read more >

Lincoln Financial Group Hires Retirement Plan Services Leader

Molly Garrett has joined Lincoln Financial Group as senior vice president and head of operations for its Retirement Plan Services (RPS) business.Read more >

Teachers Tax Service Joins PlanMember

Teachers Tax Service based in Rancho Mirage, California, has affiliated with PlanMember Securities Corporation as PlanMember Financial Center. The move allows the organization to expand retirement-investment planning and financial education opportunities for educators and employees of non-profits in the Coachella Valley area.Read more >

Portfolio Evaluations Expands Leadership Team

Jennifer Putney has joined Portfolio Evaluations (PEI) as director of Retirement Plans Consulting. She has practical knowledge surrounding Employee Retirement Income Security Act (ERISA), legislative and regulatory issues, as well as defined contribution plan design for 401(k), 403(b) and 457 plans.Read more >

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

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