(b)lines Ask the Experts – What’s in Year-End Legislation for 403(b)s?
“Will any of the 2015 year-end legislation that was passed have an effect on my retirement plan?”
Ask the Experts
(b)lines Ask the Experts – Is the Form 5500 Extension Deadline Extended?
“I heard that there was an additional month added to the extended deadline for Form 5500 filings, so that calendar year returns are now due November 15th instead...
(b)lines Ask the Experts – Can SPDs Be Provided for Church Plans?
“I recently commenced employment at a church plan sponsor, and noticed that a Summary Plan Description (SPD) is not...
(b)lines Ask the Experts – Are 403(b) Accounts Insured?
“Are 403(b) accounts insured in a manner similar to checking and savings accounts? Or is there some other type of insurance?”
(b)lines Ask the Experts – Correction for Mandatory Contribution Failures
“Our 403(b) plan has an employee mandatory contribution feature that is a condition of employment.
(b)lines Ask the Experts – Employee Concerns About Eliminating the 15-Year Catch-Up
“As discussed in your recent Ask the Experts columns ‘Can the 15-year Catch-up be Phased Out?’ and ‘
(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...
(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...
(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.
(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...
(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...
(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...
(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 ...
(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.
(b)lines Ask the Experts – The Difference Between QPSAs and QJSAs
“What is the difference between a QPSA and QJSA?”
(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.
(b)lines Ask the Experts – Adding Roth When After-Tax Already Exists
“We are considering adding Roth contributions to our 403(b) plan.
(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?”
(b)lines Ask the Experts – Can a 403(b) Offer Managed Accounts?
“Can a 403(b) plan offer managed accounts?”
(b)lines Ask the Experts – Due Diligence Before Mergers
“I work at a health care facility where we are considering merging with another facility.