Ask the Experts

Ask the Experts | November 3rd, 2015

(b)lines Ask the Experts – How Long Will Limits Remain Unchanged?

“I was disappointed that almost all the Internal Revenue Service (IRS) benefits and contribution limits did not increase for 2016. Is it possible that the limits will remain...

Ask the Experts | October 20th, 2015

(b)lines Ask the Experts – When Hardship Suspensions Start

“I realized that, per our retirement plan safe harbor provisions for hardship distributions, elective deferrals from all of our retirement plans are to be suspended for six months...

Ask the Experts | October 13th, 2015

(b)lines Ask the Experts – Inactive Vendor Accounts Counted Toward Cashouts?

“We are reducing the number of recordkeepers in our Employee Retirement Income Security Act (ERISA) 403(b) retirement plan from five to a sole recordkeeper, beginning in 2016.

Ask the Experts | October 6th, 2015

(b)lines Ask the Experts – Allowing In-Service MRDs

“We are a private university that sponsors two plans, a 401(a) defined contribution plan for employer contributions and a 403(b) plan for employee contributions, We permit in-service withdrawals...

Ask the Experts | September 29th, 2015

(b)lines Ask the Experts – Must a Frozen 401(a) DB Plan Be Terminated?

“I read with great interest your Ask the Experts Q&A on frozen plans, since our organization has a frozen Employee Retirement Income Security Act (ERISA) 401(a) plan as...

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Ask the Experts | September 22nd, 2015

(b)lines Ask the Experts – Must a Frozen 401(a) Plan Be Terminated?

“We are a large 501(c)(3) health care organization that froze its Employee Retirement Income Security Act (ERISA) 401(a) defined contribution plan several years ago, essentially replacing the plan...

Ask the Experts | September 15th, 2015

(b)lines Ask the Experts – Evaluating Share Class Expenses

"How do I find out if the share classes of mutual funds in my retirement plan are the cheapest share classes offered, the most expensive, or somewhere in ...

Ask the Experts | September 1st, 2015

(b)lines Ask the Experts – Best Response to Participants About the Market

“As the market has experienced a downturn, I am fielding calls from our 403(b) plan participants regarding their retirement plan exposure to the stock market.

Ask the Experts | August 25th, 2015

(b)lines Ask the Experts – The Difference Between QPSAs and QJSAs

“What is the difference between a QPSA and QJSA?”

Ask the Experts | August 18th, 2015

(b)lines Ask the Experts – What Is a Financial Wellness Program?

“I keep hearing about the concept of financial wellness, but I am not quite certain what it means.

Ask the Experts | August 11th, 2015

(b)lines Ask the Experts – Adding Roth When After-Tax Already Exists

“We are considering adding Roth contributions to our 403(b) plan.

Ask the Experts | August 4th, 2015

(b)lines Ask the Experts – Why Conduct an RFP for a Recordkeeper?

“Why should I conduct a request for proposals (RFP) for a recordkeeper for my retirement plan?”

Ask the Experts | July 28th, 2015

(b)lines Ask the Experts – Can a 403(b) Offer Managed Accounts?

“Can a 403(b) plan offer managed accounts?”

Ask the Experts | July 21st, 2015

(b)lines Ask the Experts – Due Diligence Before Mergers

“I work at a health care facility where we are considering merging with another facility.

Ask the Experts | July 14th, 2015

(b)lines Ask the Experts – Nondiscrimination Testing Required for 403(b)s

“What types of nondiscrimination tests are required for 403(b) plans? For example, is a top-heavy test required?”

Ask the Experts | July 7th, 2015

(b)lines Ask the Experts – Can the 15-Year Catch Up Be Phased Out?

“I just read the June 30th Ask the Experts Column about 15-year catch-up, and had a question about the final paragraph of the article.

Ask the Experts | June 30th, 2015

(b)lines Ask the Experts – Should the 15-Year Catch Up Be Eliminated?

“Do the experts have any thoughts on the 15-year catch-up election?

Ask the Experts | June 23rd, 2015

(b)lines Ask the Experts – Form 5500 Fee Info Doesn’t Match Plan Expenses

“I am commencing the process of reviewing the 2014 Form 5500 for our calendar-year ERISA 403(b) plan.

Ask the Experts | June 16th, 2015

(b)lines Ask the Experts – Do We Have to Hire an Outside Adviser?

“I work at a Employee Retirement Income Security Act (ERISA) 403(b) plan sponsor. We currently do NOT engage an investment adviser for the plan. Instead, we review the...

Ask the Experts | June 9th, 2015

(b)lines Ask the Experts – What Is Gamification?

“A representative from the recordkeeper for our 403(b) plan referred to the concept of ‘gamification’ the other day.

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