Wednesday, February 19th, 2025 A topical newsletter from PLANSPONSOR Plan Design Information for plan sponsors about plan design choices. SPONSORED AD Benefits How Plan Sponsors Can Reevaluate Total Rewards in 2025 Employers can improve their offerings by enhancing the automatic 401(k) deferral rates and offering ‘must-have’ benefits to employees, according to a new Fidelity report. Compliance PLANSPONSOR Roadmap Series: Catch-Up Provisions Speakers at the livestream discussed the administrative challenges of implementing the new Roth and age 60 to 63 catch-up provisions under SECURE 2.0. Benefits SECURE 2.0: What’s Effective This Year and What Plan Sponsors Need for 2026 While implementing SECURE 2.0 provisions effective 2025, plan sponsors prepare for a big change next year. Benefits Plan Sponsors Move Forward (Slowly) With SECURE 2.0 Provisions While catch-up contributions and cash-out thresholds have been adopted widely, take-up is more ponderous for student loan matching and emergency withdrawal flexibility. Benefits How a Small Business Owner Spearheaded Retirement Savings for Employees The co-founder of a small financial wellness service provider decided to join a pooled employer plan to provide employees with access to an employer-sponsored retirement account. Opinions Let’s Help People Save Seamlessly Over a Career Employers can significantly enhance workers' retirement savings by making savings rates portable, shortening eligibility and vesting timelines, and improving choice architecture at job terminations, says Vanguard’s Fiona Greig. Did someone forward you this newsletter? Sign up here to get PLANSPONSOR Spotlight directly in your mailbox!

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