Ask the Experts

Experts from Groom Law Group and Cammack Retirement Group answer questions concerning 403(b) plans and regulations.

Experts from Groom Law Group and Cammack Retirement Group answer questions concerning 403(b) plans and regulations.

Experts from Groom Law Group and Cammack Retirement Group answer questions concerning 403(b) plans and regulations.

“I understand that under the new proposed hardship regulations a participant will no longer be required to take all available loans from the retirement plans that we sponsor.

“Certain distributions from our retirement program may only be made in the event of ‘severance from employment.’

“Don't know if the Experts remember me, but I was the one who posed the question back in March about whether the new hardship distribution rules would allow...

“I work with a plan sponsor at a private high school.

“Our plan is a 403(b) plan that has elective deferrals AND a mandatory employee contribution that is a condition of employment and thus is excluded from the 402(g)...

“What are the combined limits for someone whose employer has both a nonprofit and affiliated for-profit organization, where the individual works for both and participates in retirement plans...

“One of our employees, who consistently defers the maximum to both our 403(b) retirement plan and 457(b) deferred compensation plans, wants to contribute additional funds to the plan...

“We are a church 403(b) plan sponsor, whose headquarters is in a state that requires consent of the employee prior to making any deductions from salary. Could we...

“What are Section 414(h) ‘pick-up’ contributions?”

“I work with a higher education institution that is attempting to incentivize some of our faculty who have reached traditional retirement age to actually retire.

“I work for a plan sponsor that maintains a 403(b) plan with annuity contracts.

“I was recently hired to work with an entity that is a Native American Tribal Government. Can it sponsor a 403(b) plan?”

“I read with great interest your Ask the Experts column discussing the effect of a military leave on a ‘cure period’ where a loan repayment was not made...

“Why are 403(b) plan assets generally not held in a trust?”

“I hear that there is discussion of additional tax reform. Should I be concerned that there will be major retirement plan changes?”

“I am an Employee Retirement Income Security Act (ERISA) 403(b) plan sponsor that is considering automatic enrollment. Are we required to implement automatic enrollment for all employees, or...

“Working at a large 403(b) plan sponsor, I have been spending my summer as usual thus far working with our auditors on the 2017 Form 5500 audit report...