September 24th, 2019

IRS Finalizes Hardship Withdrawal Rules

Michael A. Webb, with Cammack Retirement Group, says there are no substantive changes from the proposed regulations, but he points out certain items in the final regulations plan sponsors should note. Read more >

Plan Sponsors Recognizing Need for Decumulation Choices

A new survey from Alight Solutions indicates more employers are expanding distribution options in their DC retirement plans to help employees with draw down strategies in retirement. Read more >

Understanding Behavior Biases Can Help Plan Sponsors With Investing Communications

Advisers say being easily influenced by recent news is the No. 1 investor misstep, a survey found. Read more >

ASK THE EXPERTS

Can Split Plans Be Combined for Nondiscrimination Testing?

“I work with a 403(b) ERISA plan sponsor that, to avoid the large plan audit requirement, is splitting its plan into two separate plans. Plan provisions will be exactly the same for the two split plans as for the existing plan. Since the plans have provisions that are identical, can nondiscrimination testing be performed as if the plans were a single plan?” Read more >

Variable Arrangements Can Introduce Stability to Public DB Plans

A report presents case studies that show variable benefit and/or variable contribution arrangements “enable all stakeholders to understand how, when, and to what extent contributions or benefits might be subject to formula-based changes, and as a result, enable them to plan for the long-term.” Read more >

Editorial: Alison Cooke Mintzer alison.mintzer@issgovernance.com

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