Ask the Experts

Ask the Experts | August 8th, 2017

(b)lines Ask the Experts – Why Some 403(b)s May Delay Form 5500 Filing

“I am fairly new to the employee benefits field, but was shocked to find that our employer, a private university, delays its 403(b) retirement plan Form 5500 filing...

Ask the Experts | August 1st, 2017

(b)lines Ask the Experts – When Nondiscriminatory Compensation Under 414(s) Applies

“A Section 414(e)(e) religious organization, that does not meet the definition of church or qualified church-controlled organization QCCO under Section 3121(w)(3)(A) and (B), and elects not to be...

Ask the Experts | July 25th, 2017

(b)lines Ask the Experts – Effect of the Supreme Court Ruling on Church Plans

“I heard that the recent Supreme Court ruling was favorable to church plans sponsored by organizations such as faith-based universities and church hospitals.

Ask the Experts | July 18th, 2017

(b)lines Ask the Experts – Consequence of Offering Non-Eligible Investments

“What is the consequence of a plan that, though written to permit only 403(b) eligible investments (403(b)(1) fixed/variable annuities and /or 403(b)(7) custodial accounts (mutual funds)), actually offers...

Ask the Experts | July 11th, 2017

(b)lines Ask the Experts – Must Form 8955-SSA Be Filed Electronically?

“I have received conflicting information as to whether Form 8955-SSA is required to be filed electronically. Can the Experts clarify?”

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Ask the Experts | June 27th, 2017

(b)lines Ask the Experts – Do 415 Limits Include Age-50 and 15-Year Catch Up Contributions?

“Our 403(b) plan provides for a fairly large employer contribution, which causes some of our employees to be restricted by the 415 combined limit on employer and employee...

Ask the Experts | June 20th, 2017

(b)lines Ask the Experts – Getting Rid of QJSA Form of Benefit When Restating the Plan

“We have a client (plan sponsor) whose 403(b) plan still has some plan assets in annuity contracts.

Ask the Experts | June 13th, 2017

(b)lines Ask the Experts – Changing Withdrawal Provisions When Transferring to a 403(b)(1) Annuity Contract

“I work with a 403(b)(7) plan with employer matching and employer non-elective contributions in addition to elective deferral contributions. The plan doesn’t permit age 59-1/2 and hardship withdrawals....

Ask the Experts | June 6th, 2017

(b)lines Ask the Experts – When the Individual Who Signed Form 5500 Retired

“We are starting preparations for our retirement plan’s Form 5500 annual return filing; however, the individual who signs our returns as employer and plan administrator retired, and the...

Ask the Experts | May 30th, 2017

(b)lines Ask the Experts – Which Rules for 457(b)s Must Church Plans Follow?

“I read with great interest a recent Ask the Experts column in which you discussed the differences between governmental 457(b) plans and those sponsored by private tax-exempt entities.

Ask the Experts | May 23rd, 2017

(b)lines Ask the Experts – Using Distributions for Ministers’ Housing Allowance in Church Plans

“I know participants can apply part of their distributions as ministers’ housing allowance (granted they meet the requirements) in a 403(b)(9) church retirement income account. But can they...

Ask the Experts | May 16th, 2017

(b)lines Ask the Experts – Differences in 457(b) Plans for Different Entities

“What are the primary differences between a 457(b) plan of a private tax-exempt organization and a governmental 457(b) plan?”

Ask the Experts | May 9th, 2017

(b)lines Ask the Experts – Adding Roth to All 403(b) Plans in a Controlled Group

“I work for a large private 501(c)(3) health care system that sponsors several 403(b) plans for different operating entities that are all part of the same controlled group...

Ask the Experts | May 2nd, 2017

(b)lines Ask the Experts – Why the Fiduciary Rule Applies to IRAs but Not Non-ERISA 403(b)s

“I know that the applicability date of the Department of Labor’s (DOL)'s final fiduciary rule is on hold, but presuming it becomes effective, why does it apply to...

Ask the Experts | April 25th, 2017

(b)lines Ask the Experts – Differing ‘Year of Service’ Definitions for Different Plan Provisions

“Our recordkeeper for our Employee Retirement Income Security Act (ERISA) 403(b) plan recently informed me that our plan document year of service definition is different for satisfying our...

Ask the Experts | April 18th, 2017

(b)lines Ask the Experts – Maximum Permissible Vesting Schedule for Employer Contributions

“What is the current maximum permissible vesting schedule for employer contributions to a retirement plan?

Ask the Experts | April 11th, 2017

(b)lines Ask the Experts – Rolling From a Governmental 457(b) to a 403(b)

“We are a private tax-exempt health care organization that sponsors a 403(b) plan. One of our new physicians used to work for the state, and has a 457(b)...

Ask the Experts | April 4th, 2017

(b)lines Ask the Experts – What Are 410(b) and 401(a)(4) Tests?

“We recently established an ERISA 403(b) plan with both a base (discretionary) and a matching contribution at a newly created tax-exempt entity at which I work.

Ask the Experts | March 28th, 2017

(b)lines Ask the Experts – When to Expect 403(b) Pre-Approved Plans

“I’ve been reading about the remedial amendment period for 403(b) plan documents. Does this mean that pre-approved 403(b) plans will be available for use soon?”

Ask the Experts | March 21st, 2017

(b)lines Ask the Experts – Can Church 401(k) Plans Be Merged With 403(b) Plans?

“I read your Ask the Experts column regarding 403(a) plan mergers and you made brief mention of the fact that church 401(a) and 403(b) plans could be merged....

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