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September 19th, 2023 Information & Insights for the 403(b) Community The Fiduciary Exception to Attorney-Client Privilege Sponsors should know when their legal communications are privileged and when they are not. How to Not Overwhelm Participants During Open Enrollment Open enrollment is a time for plan sponsors to promote their benefits offerings, but they should also be wary of confusing employees with too many options and complex language. Ask the Experts Is Retroactive Pay Included as Compensation for Plan Purposes? We are a public university with a number of collective bargaining groups. Due to contract negotiations, it is not unusual for such employees to be awarded retroactive salary increases, with a lump sum in retroactive pay provided to represent the salary increase amount on salary already paid. Is this pay included or excluded as compensation for retirement plan purposes? The Impact of Spending Spikes on Retirement Readiness Report reveals that higher credit card debt is associated with lower 401(k) contributions and account balances. Cybersecurity Livestream 2023 Cybersecurity is a huge concern in all areas of life, critically in the institutional investing and retirement plan industries. Plan sponsors, asset owners and their advisers want to ensure their data, assets and systems, as well as those of their providers, are safe. Learn what risks exist; optimal practices for protecting assets and data; and what regulations say, including how best to comply with them, at the 2023 Cybersecurity Livestream on October 12.  Did someone forward you this newsletter? Sign up here to get (b)lines directly in your mailbox! Unsubscribe | Manage Subscriptions | Contact Us Copyright ©2026 Asset International, Inc. All rights reserved. No reproduction without prior authorization. Modern Slavery Statement 2022 | Do Not Sell My Personal Information | Privacy (including cookies), Social Media & Legal 702 King Farm Boulevard, Suite 300, Rockville, MD 20850