Ask the Experts

Ask the Experts | March 18th, 2014

(b)lines Ask the Experts – Correcting 457 Plan “Unforeseeable Emergency” Distribution

March 18, 2014 (PLANSPONSOR (b)lines) – “We sponsor both a 403(b) plan and a 457(b) ‘top-hat’ deferred compensation plan for select management/highly compensated employees.

Ask the Experts | March 11th, 2014

(b)lines Ask the Experts – Plan Participation by Related LLCs

March 11, 2014 (PLANSPONSOR (b)lines) – “Our college, a tax exempt 501(c)(3) organization, maintains a separate offsite center in Washington, D.C. to allow our students to experience a...

Ask the Experts | March 4th, 2014

(b)lines Ask the Experts – Which States Have Fiduciary Laws for 403(b)s?

March 4, 2014 (PLANSPONSOR (b)lines) – “I realize that fiduciary responsibility is quite clear in 403(b) plans that are subject to the Employee Retirement Income Security Act (ERISA).

Ask the Experts | February 25th, 2014

(b)lines Ask the Experts – Incentivizing 403(b) Participants to Retire

February 25, 2014 (PLANSPONSOR (b)lines) – “Our university is attempting to put together a faculty retirement incentive plan.

Ask the Experts | February 18th, 2014

(b)lines Ask the Experts – Catching Up on Limits, Testing and Form 5500

February 18, 2014 (PLANSPONSOR (b)lines) – “Yet another snow day for me with a cancelled meeting, so I have some time to think about what I need to...

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Ask the Experts | February 11th, 2014

(b)lines Ask the Experts – Allocating Investment Fund Settlement Checks

February 11, 2014 (PLANSPONSOR (b)lines) – “Our plan recently received a Securities and Exchange Commission (SEC) settlement check for approximately $500.00 related to market-timing that occurred in one...

Ask the Experts | February 4th, 2014

(b)lines Ask the Experts – Deadline for Corrective Distributions

February 4, 2014 (PLANSPONSOR (b)lines) – “Our 403(b) retirement plan provides for matching contributions, which we test for satisfaction of the Average Contribution Percentage, or ACP, test each...

Ask the Experts | January 28th, 2014

(b)lines Ask the Experts – No Updated Guidance on Plan Terminations

January 28, 2014 (PLANSPONSOR (b)lines) – “I am working with a plan sponsor on terminating a 403(b) plan?

Ask the Experts | January 21st, 2014

(b)lines Ask the Experts – Excess Deferrals: Which Plan Pays?

January 21, 2014 (PLANSPONSOR (b)lines) – “We have automated caps in our payroll system that prevent deferrals in excess of the permissible 402(g) limit.

Ask the Experts | January 14th, 2014

(b)lines Ask the Experts – Future Adoption of Annuity Contracts and Custodial Accounts

January 14, 2014 (PLANSPONSOR (b)lines) – “Some of our clients plan on keeping their individually designed 403(b) plan documents after the IRS begins approving prototype and volume submitter...

Ask the Experts | January 7th, 2014

(b)lines Ask the Experts – Restricting Loan Use to Financial Hardships

January 7, 2014 (PLANSPONSOR (b)lines) – “Thanks for the Q&A on loan utilization, as it was quite informative.

Ask the Experts | December 31st, 2013

(b)lines Ask the Experts – Resolutions for 403(b) Plan Sponsors

December 31, 2013 (PLANSPONSOR (b)lines) – “Any New Year’s Resolutions from the Experts?”

Ask the Experts | December 24th, 2013

(b)lines Ask the Experts – 2013 “Gifts” from the IRS

December 24, 2013 (PLANSPONSOR (b)lines) – “I seem to recall a reader suggesting a “wish” list to Santa last year in Ask the Experts. Did Santa deliver on...

Ask the Experts | December 17th, 2013

(b)lines Ask the Experts – Reining in Loan Use

December 17, 2013 (PLANSPONSOR (b)lines) – “Our 403(b) plan appears to have a loan utilization problem: Many more loans are taken on our plan than in those of...

Ask the Experts | December 10th, 2013

(b)lines Ask the Experts – Compliance Deadlines Falling on Weekends

December 10, 2013 (PLANSPONSOR (b)lines) – “The recent deadline for distribution of QDIA Notices, automatic enrollment notices, and safe harbor plan notices was December 1 for calendar year...

Ask the Experts | December 3rd, 2013

(b)lines Ask the Experts – 457 Plan Risk to Participants

December 3, 2013 (PLANSPONSOR (b)lines) – “We are a private tax-exempt entity that sponsors a 457(b) plan for select management or highly compensated employees, in addition to our...

Ask the Experts | November 26th, 2013

(b)lines Ask the Experts – Mandatory Contributions and Universal Availability

November 26, 2013 (PLANSPONSOR (b)lines) – “I hope the Experts can respond to yet another mandatory contribution question!

Ask the Experts | November 19th, 2013

(b)lines Ask the Experts – Questions About Mandatory Contributions

November 19, 2013 (PLANSPONSOR (b)lines) – “Thank you for last week’s information about the difference between automatic enrollment and employee mandatory contributions (see

Ask the Experts | November 12th, 2013

(b)lines Ask the Experts – Mandatory Contributions vs. Automatic Enrollment

November 12, 2013 (PLANSPONSOR (b)lines) – “I hear all of this discussion regarding automatic enrollment, but our 403(b) plan already has a mandatory contribution that is a condition...

Ask the Experts | November 5th, 2013

(b)lines Ask the Experts – Leased Employees and 403(b) Plans

November 5, 2013 (PLANSPONSOR (b)lines) – “From time to time, we lease employees from a staffing organization.

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