Ask the Experts

Ask the Experts | April 23rd, 2013

(b)lines Ask the Experts – Failure to Suspend Contributions After Hardship

April 23, 2013 (PLANSPONSOR (b)lines) – “In preparation for our annual 5500 report audit for our Employee Retirement Income Security Act (ERISA) 403(b) plan, we discovered that, due...

Ask the Experts | April 16th, 2013

(b)lines Ask the Experts – Availability of IRS-Approved Prototype Document

April 16, 2013 (PLANSPONSOR (b)lines) – “I was delighted to hear that the IRS finally released its 403(b) prototype plan guidance! We currently utilize a vendor-provided document; does...

Ask the Experts | April 9th, 2013

(b)lines Ask the Experts – Plan Determination Letters

April 9, 2013 (PLANSPONSOR (b)lines) – “I recently received notification from a consulting firm that a determination letter would soon be required for 403(b) plans, and that we...

Ask the Experts | April 2nd, 2013

(b)lines Ask the Experts – Eligibility Requirements for Nonelecting Churches

April 2, 2013 (PLANSPONSOR (b)lines) – “I work with a nonelecting (i.e. the entity has NOT elected ERISA coverage) church plan that currently requires employees to complete four...

Ask the Experts | March 26th, 2013

(b)lines Ask the Experts – Taxation for Roth Account Loans

March 26, 2013 (PLANSPONSOR (b)lines) – “I read with great interest your Q&A regarding the misunderstanding of the "double-taxation" issue regarding 403(b) plan loans. Is the same logic...

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Ask the Experts | March 19th, 2013

(b)lines Ask the Experts – Double-Taxed on Plan Loans?

March 19, 2013 (PLANSPONSOR (b)lines) – “A participant in our 403(b) plan said her adviser informed her she would be “double-taxed” on a plan loan she had taken.

Ask the Experts | March 12th, 2013

(b)lines Ask the Experts – Different Definitions of Compensation

March 12, 2013 (PLANSPONSOR (b)lines) – “Our 403(b) plan document contains several different definitions of compensation for purposes of determining the amount of the employer discretionary, employer matching...

Ask the Experts | March 5th, 2013

(b)lines Ask the Experts – Indian Tribal Government Plans and Casino Employees

March 5, 2013 (PLANSPONSOR (b)lines) – “Is it true that an Indian tribal government that operates a casino may not cover its casino employees under its 403(b) plan?”

Ask the Experts | February 26th, 2013

(b)lines Ask the Experts – Document Correction for Plans Under Audit

February 26, 2013 (PLANSPONSOR (b)lines) – “Is the new correction method for a failure to adopt a written 403(b) plan in a timely fashion available if the plan...

Ask the Experts | February 19th, 2013

(b)lines Ask the Experts – Beneficiary Changes at Age 35

February 19, 2013 (PLANSPONSOR (b)lines) – “I am a new administrator for our ERISA 403(b) plan, and when reading the plan document I came across some gobbledygook about...

Ask the Experts | February 15th, 2013

(b)lines Ask the Experts – How Can We Help You?

February 15, 2013 (PLANSPONSOR.com) - The Experts from our Ask the Experts feature have been answering readers’ questions since March 2008.

Ask the Experts | February 5th, 2013

(b)lines Ask the Experts – Forfeiting Missing Participant Balances

February 5, 2013 (PLANSPONSOR (b)lines) – “We have had difficulty locating participants in our 403(b)plan who have not kept their addresses up to date with us.

Ask the Experts | January 29th, 2013

(b)lines Ask the Experts – Fee Disclosure Deadlines in 2013

January 29, 2013 (PLANSPONSOR (b)lines) – “I work for a 403(b) plan sponsor who is attempting to piece together a calendar of critical due dates for 2013.

Ask the Experts | January 22nd, 2013

(b)lines Ask the Experts – Monitoring Deferral and Catch-Up Limits

January 22, 2013 (PLANSPONSOR (b)lines) – “In 2013, I am aware that the elective deferral limits to a 403(b) plan under IRC Section 402(g) are $17,500 for pre-tax...

Ask the Experts | January 15th, 2013

(b)lines Ask the Experts – Correcting Excess 2012 Deferrals

January 15, 2013 (PLANSPONSOR (b)lines) – “We discovered today that we have a participant in one of our retirement plans who deferred in excess of the $17,000 elective...

Ask the Experts | January 8th, 2013

(b)lines Ask the Experts – Taxation for Beneficiaries Younger than 59½

January 8, 2013 (PLANSPONSOR (b)lines) – “A participant in our retirement plan recently died and she was not married, so her daughter was the beneficiary. The daughter is...

Ask the Experts | December 18th, 2012

(b)lines Ask the Experts – “Gifts” for 403(b) Sponsors

December 18, 2012 (PLANSPONSOR (b)lines) – “Since I think I've been a good little plan sponsor this year, what should I expect as “gifts” from Santa?"

Ask the Experts | December 11th, 2012

(b)lines Ask the Experts – Still No Prototype Program

December 11, 2012 (PLANSPONSOR (b)lines) – “Another year has come and gone, and it appears that we will still be without a 403(b) prototype program. Any guess as...

Ask the Experts | December 4th, 2012

(b)lines Ask the Experts – ERISA Plan Effect on Non-ERISA Plan Status

December 4, 2012 (PLANSPONSOR (b)lines) – “We are a 501(c)(3) private nonprofit who, up until this point, have operated an elective deferral-only plan that satisfied the ERISA exemption...

Ask the Experts | November 27th, 2012

(b)lines Ask the Experts – Does This Church Have a Plan?

November 27, 2012 (PLANSPONSOR (b)lines) – “A ‘steeple church’ group (a Diocese of a large denomination) allows employees at all their locations (parishes, schools, etc.) to choose whomever...

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