Ask the Experts

Ask the Experts | March 24th, 2015

(b)lines Ask the Experts – Is There a Restriction on Number of Investments?

“We have hundreds of investments in our ERISA 403(b) retirement plan (NOT a brokerage window, but hundreds of actual investment options available directly to participants), which I feel...

Ask the Experts | March 17th, 2015

(b)lines Ask the Experts – Notification of Funds on ‘Watch’ Status

“As part of the quarterly due diligence process for our ERISA 403(b) plan, the committee, from time to time, places investment options on ‘watch’ status, per the provisions...

Ask the Experts | March 10th, 2015

(b)lines Ask the Experts – What Is a 403(a) Plan?

“I am an adviser who is familiar with 403(b) plans, but today I came across something I have never heard of—a ‘403(a)’ plan.

Ask the Experts | March 3rd, 2015

(b)lines Ask the Experts – ACP Testing After a Spin-Off

“I read your recent Q&A regarding post-merger ACP testing with great interest, as our hospital has an ACP testing issue as well.

Ask the Experts | February 24th, 2015

(b)lines Ask the Experts – Recordkeepers Not Meeting Statement Requirements

“We sponsor an Employee Retirement Income Security Act (ERISA) 403(b) plan with four different recordkeepers.

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Ask the Experts | February 16th, 2015

(b)lines Ask the Experts – ACP Testing After a Merger

“Our hospital merged with another private tax-exempt hospital last year, and both hospitals are now part of the same controlled group for retirement plan testing purposes.

Ask the Experts | February 10th, 2015

(b)lines Ask the Experts – Forcing RMDs

“There are several individuals who are no longer working for us, are over age 70 ½, and have never taken their required minimum distributions (RMDs).

Ask the Experts | February 3rd, 2015

(b)lines Ask the Experts – What Is a FICA Alternative Plan?

“I recently started working in the employee benefits department at a large public university.

Ask the Experts | January 27th, 2015

(b)lines Ask the Experts – Difference Between Roth and After-Tax

January 27, 2015 (PLANSPONSOR (b)lines) – “What is the difference between a Roth 403(b) contribution and an after-tax 403(b) contribution?”

Ask the Experts | January 20th, 2015

(b)lines Ask the Experts – Going from No HCEs to Having HCEs

January 20, 2015 (PLANSPONSOR (b)lines) – “I have worked with a small private tax-exempt that, since its inception many years ago, has had no concerns regarding nondiscrimination testing...

Ask the Experts | January 13th, 2015

(b)lines Ask the Experts – Prepare for 2014 Form 5500 Change

January 13, 2015 (PLANSPONSOR (b)lines) – “I understand that the new 2014 5500 form/instructions have been issued. Are there any changes that would apply to 403(b) plans?”

Ask the Experts | January 6th, 2015

(b)lines Ask the Experts – 457 Plan Transfers

“I work at a private university and we recently had an employee who had a 403(b) and 457(b) plan account with us leave for another private university.

Ask the Experts | December 9th, 2014

(b)lines Ask the Experts – Processing 403(b) Loan Defaults

“I have some questions as to how 403(b) loan defaults are processed.

Ask the Experts | December 2nd, 2014

(b)lines Ask the Experts – Deferring 100% of Paycheck

“I work at a museum, and one of our C-Suite employees realized she had not made salary deferrals to either our 403(b) plan or our 457(b) plan.

Ask the Experts | November 25th, 2014

(b)lines Ask the Experts – Ongoing Notice Requirements

“I realize there is an important upcoming deadline for certain plan notices—the QDIA, automatic enrollment, and ADP/ACP safe harbor plan notices—all of which are due to be distributed...

Ask the Experts | November 18th, 2014

(b)lines Ask the Experts – Missing Spouses as Beneficiaries

November 18, 2014 (PLANSPONSOR (b)lines) – “One of our new employees told us she does not wish to name her spouse as beneficiary of her retirement plan benefit.

Ask the Experts | November 11th, 2014

(b)lines Ask the Experts – Should Fund Prospectuses Be Automatically Sent?

November 11, 2014 (PLANSPONSOR (b)lines) – “I work at a 501(c)(3) social welfare organization that sponsors an Employee Retirement Income Security Act (ERISA) retirement plan for its employees.

Ask the Experts | November 4th, 2014

(b)lines Ask the Experts – When Must Fee Disclosures Be Sent?

November 4, 2014 (PLANSPONSOR (b)lines) – “Now that the 5500 and Form-SSA filing has been completed, I am turning my attention to the Summary Annual Report and the...

Ask the Experts | October 28th, 2014

(b)lines Ask the Experts – Reporting Participants Who Have Withdrawn Accounts

October 28, 2014 (PLANSPONSOR (b)lines) – “I noticed in our recently filed Form 8955-SSA, we report individuals who terminated employment, but who retain account balances in our 403(b)...

Ask the Experts | October 21st, 2014

(b)lines Ask the Experts – Explaining Tax Withholding on Plan Distributions

October 21, 2014 (PLANSPONSOR (b)lines) – “As the primary administrator for our 403(b) plan, I have difficulty explaining to participants the significance of the 20% tax withholding requirement...

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