Ask the Experts

Ask the Experts | March 27th, 2012

(b)lines Ask the Experts – Universal Availability Exclusion

March 27, 2012 (PLANSPONSOR (b)lines) – “Though I have discussed the administrative burden of utilizing such an approach, some of my 403(b) plan sponsor clients wish to exclude...

Ask the Experts | March 20th, 2012

(b)lines Ask the Experts – Lifetime Income Options for 403(b) Plans

March 20, 2012 (PLANSPONSOR (b)lines) – “I read last week's Q&A regarding age 70 1/2 required minimum distributions (RMDs) and was wondering, with all the talk about the...

Ask the Experts | March 13th, 2012

(b)lines Ask the Experts – RMDs for Rolled Over Balances

March 13, 2012 (PLANSPONSOR (b)lines) – “I was reading your recent Q&A regarding the hire that was over age 70 ½ years of age which stated that the...

Ask the Experts | March 6th, 2012

(b)lines Ask the Experts – Age Restriction for Plan Eligibility

March 6, 2012 (PLANSPONSOR (b)lines) – “I was recently hired by the benefits department of a private university, and was surprised to see that employees are not eligible...

Ask the Experts | February 28th, 2012

(b)lines Ask the Experts – Hiring Someone Older than 70 ½

February 28, 2012 (PLANSPONSOR (b)lines) – “A trend at the museum at which I work is to hire individuals who have retired from other fields. Often these individuals...

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Ask the Experts | February 14th, 2012

(b)lines Ask the Experts – Automatic Cashout of Less than $5000 Balances

February 14, 2012 (PLANSPONSOR (b)lines) – “Our ERISA 403(b) multiple-vendor plan does not currently have a automatic cashout provision, and I would like to amend our document to...

Ask the Experts | February 7th, 2012

(b)lines Ask the Experts – Fee Disclosure and Legacy Vendor Contracts

February 7, 2012 (PLANSPONSOR (b)lines) – “As an ERISA 403(b) plan sponsor, I was pleased to see that, in addition to delayed effective dates for vendor and participant...

Ask the Experts | January 31st, 2012

(b)lines Ask the Experts – Prudently Monitoring Legacy Vendor Contracts

January 31, 2012 (PLANSPONSOR (b)lines) – “When I took over the benefits function at our company a year ago, I found a 403(b) provider arrangement that we had...

Ask the Experts | January 24th, 2012

(b)lines Ask the Experts – Missed Age 70 ½ Distributions

January 24, 2012 (PLANSPONSOR (b)lines) – “I received reports from our plan vendor that appear to indicate several of our 403(b) plan participants who have turned age 70...

Ask the Experts | January 17th, 2012

(b)lines Ask the Experts – The Effect of Lacking Guidance About Fee Disclosure

January 17, 2012 (PLANSPONSOR (b)lines) – “I hear that my 403(b) vendor is supposed to provide me with a new fee disclosure document (or fee addendum) by April...

Ask the Experts | January 10th, 2012

(b)lines Ask the Experts – Who Is Responsible for Reporting Form 8955-SSA Data?

January 10, 2012 (PLANSPONSOR (b)lines) – “I have heard about this new requirement from the IRS requiring me to report information about participants with "deferred vested benefits" to...

Ask the Experts | January 3rd, 2012

(b)lines Ask the Experts – Form 8955-SSA Data from Vendors

January 3, 2012 (PLANSPONSOR (b)lines) – “I noticed in your most recent Ask the Expert column that, though there were not any significant year-end deadlines, that the new...

Ask the Experts | December 27th, 2011

(b)lines Ask the Experts – Year-End Considerations

December 27, 2011 (PLANSPONSOR (b)lines) – “I am enjoying a wonderful Holiday Season! Can I sail right into the new year, or are there any surprises in store...

Ask the Experts | December 13th, 2011

(b)lines Ask the Experts – RMDs Continue in Beneficiary Accounts

December 13, 2011 (PLANSPONSOR (b)lines) – "My father passed away in 2011, and I am the beneficiary of his 403(b) account. He had begun receiving age 70 ½...

Ask the Experts | December 5th, 2011

(b)lines Ask the Experts – What IRS Holidays Would Allow for Extensions?

December 5, 2011 (PLANSPONSOR (b)lines) – “In this the holiday season, I was thinking about the holidays during the year that would essentially provide me with a one-day...

Ask the Experts | November 29th, 2011

(b)lines Ask the Experts – Submitting Deferrals Timely during the Holidays

November 29, 2011 (PLANSPONSOR (b)lines) – “We maintain an ERISA-covered 403(b) plan. Our bi-weekly payroll cycle is scheduled to end on Friday, December 23, 2011.

Ask the Experts | November 22nd, 2011

(b)lines Ask the Experts – No Longer Tax-Exempt?

November 22, 2011 (PLANSPONSOR (b)lines) – “I understand that if a 501(c)(3) organization that sponsors a 403(b) plan is no longer a tax exempt entity under Code Section...

Ask the Experts | November 15th, 2011

(b)lines Ask the Experts – Can a Plan Move from ERISA to non-ERISA?

November 15, 2011 (PLANSPONSOR (b)lines) – “I work with a 501(c)(3) Tax-Exempt organization (non-church, non government) that made employer contributions to individual 403(b) annuity contracts with a single...

Ask the Experts | November 8th, 2011

(b)lines Ask the Experts – Why a 403(b), not a 401(k)?

November 8, 2011 (PLANSPONSOR (b)lines) – “As a new employee at a nonprofit, I have to ask—why do nonprofits have 403(b) plans in the first place? Could they...

Ask the Experts | November 1st, 2011

(b)lines Ask the Experts – Why Age-50 Catch Up Limit Didn’t Increase

November 1, 2011 (PLANSPONSOR (b)lines) – “Thanks for enlightening me in last week’s Ask the Experts column as to why retirement plan contribution limits increase. But I could...

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