(b)Lines Information and Insights for the 403(b) community / brought to you by PLANSPONSOR.
September 22nd, 2015

Student Loans Hindering Millennials’ Retirement Savings

One-third of Millennials say student loan debt has either delayed them from saving or kept them from saving as much as they would like.Read more >

Is Your Adviser Helping You with Compliance?

Retirement plan sponsors are usually not experts in compliance, while advisers and consultants are, so sponsors may want to rethink how they engage advisers.Read more >
Don’t just tell those stuck between obligations to aging parents and children they need to save more, tell them how.Read more >

Two Alternatives in Guidance About State-Run Plans

Proposed guidance to help states expand access to retirement plans for private-sector employees has been sent to the Office of Management and Budget (OMB) for review.Read more >

Must a Frozen 401(a) Plan Be Terminated?

We are a large 501(c)(3) health care organization that froze its Employee Retirement Income Security Act (ERISA) 401(a) defined contribution plan several years ago, essentially replacing the plan with employer contributions to our 403(b) plan. However, we have not terminated the plan; the plan has remained frozen since the initial amendment to freeze. Can the plan remain frozen indefinitely, or must we terminate the plan at some point?”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 will 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.

2015 PLANSPONSOR TDF Buyer’s Guide

Two significant themes can be inferred from this year’s collection of data for the 2015 PLANSPONSOR Target-Date Fund (TDF) Buyer’s Guide: 1) Asset managers are deeply committed to target-date fund solutions, as indicated by an exceptionally high survey participation rate, and 2) in their evolution, target-date fund solutions have moved far past any predicted 2.0 stage.Read more >

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

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