(b)Lines Information and Insights for the 403(b) community / brought to you by PLANSPONSOR.
May 31st, 2016

Employees Say They Cannot Afford to Save for Retirement

A survey found not being able to afford to contribute is the top reason employees say they do not participate in their employer-sponsored plans, and many are not confident about managing investments.Read more >

Employers Taking More Efforts to Cut Health Benefit Costs

Both for-profit and non-profit employers are turning to consumer-directed health care and are tightening spousal rules as health benefit cost containment strategies, according to Conrad Siegel Actuaries’ annual Medical and Prescription Drug survey.Read more >
While all generations can benefit from financial wellness education, each generation learns differently and has different challenges, and Gen X is especially vulnerable.Read more >

Plans Can Boost Outcomes with Debt Coaching

The Plan Sponsor Council of America (PSCA) finds many Millennial employees say student debt keeps them from saving for retirement. More than one-quarter (26.9%) of employers “reported a moderate degree of employees citing student loan debt as a barrier to saving,” while 8.9% cited a high degree.Read more >

Strategic Insight’s Quarterly TDF Analysis

The first quarter of 2016 saw continued expansion of the target date-fund (TDF) market as mutual funds in these strategies built upon a solid 2015. With net inflows close to $19 billion for the quarter, target-date funds are on pace to meet or exceed marks set last year, according to Strategic Insight, an Asset International company.Read more >

What to Do with Proxy Statements

“We just received a proxy statement, along with a request for voting, for one of the investments held in our company’s ERISA 403(b) plan. What should we do with it?”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.

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

Advertising: advertise@strategic-i.com

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