(b)lines Ask the Experts – Replacing a non-ERISA with an ERISA Plan
November 20, 2012 (PLANSPONSOR (b)lines) – “I work with a plan sponsor who terminated a non-ERISA 403(b) plan a few years ago. They wish to establish a new...
Ask the Experts
(b)lines Ask the Experts – Disasters and Hardship Withdrawal Requests
November 13, 2012 (PLANSPONSOR (b)lines) – “Our firm employs several individuals whose homes were damaged or destroyed by Hurricane Sandy, some of whom have now requested hardship distributions...
(b)lines Ask the Experts – SMM Required After Plan Change?
October 30, 2012 (PLANSPONSOR (b)lines) – “We recently had an amendment to our ERISA 403(b) plan consolidating our number of recordkeepers from two vendors to one.
(b)lines Ask the Experts – Who Gets a Summary Annual Report?
October 23, 2012 (PLANSPONSOR (b)lines) – “We have several employees here who do not elect to participate in our retirement plan even though they are eligible. Since our...
(b)lines Ask the Experts – Rollovers Versus Transfers
October 16, 2012 (PLANSPONSOR (b)lines) – “A lot of our 403(b) plan participants have been confusing rollovers with transfers of late, and vice versa. Can the experts provide...
(b)lines Ask the Experts – Match Maximization Problem
October 9, 2012 (PLANSPONSOR (b)lines) – “Our firm sponsors a 403(b) plan where we match 100% of employee elective deferrals, up to 5% of compensation.
(b)lines Ask the Experts – Can Independent Contractors Participate?
September 25, 2012 (PLANSPONSOR (b)lines) – “Can an independent contractor participate in a 403(b) plan sponsored by a tax-exempt 501(c)(3) organization?”
(b)lines Ask the Experts – Paycheck Difference from Roth Deferrals
September 18, 2012 (PLANSPONSOR (b)lines) – “We are a 403(b) plan sponsor that recently added the option to make Roth deferrals.
(b)lines Ask the Experts – Contributions as a Condition of Employment
September 11, 2012 (PLANSPONSOR (b)lines) – “How are 403(b) contributions made as a condition of employment (i.e., as defined under Treasury regulation 31.3121(a)(5)-2(a)(3)) reported on a W-2? Since...
(b)lines Ask the Experts – Stumbling Block to Preparing Fee Disclosures
August 28, 2012 (PLANSPONSOR (b)lines) – “I work for an ERISA 403(b) plan sponsor and due to extreme difficulties in obtaining the proper 404a-5 participant fee disclosure information...
(b)lines Ask the Experts – 403(b) Must-Reads
August 14, 2012 (PLANSPONSOR (b)lines) – “I know it’s a bit late for summer reading list suggestions, but to be honest, I have continued to be so busy...
(b)lines Ask the Experts – Effect of Revised Fee Disclosure Guidance
August 7, 2012 (PLANSPONSOR (b)lines) – “I was...
(b)lines Ask the Experts – Rollover of Active Accounts from 403(b) to 401(k)
July 31, 2012 (PLANSPONSOR (b)lines) – “Prior to 2009, we maintained two plans: a 403(b) deferral-only plan and a separate profit sharing plan that received employer contributions.
(b)lines Ask the Experts – Maintaining ERISA 403(b) Alongside non-ERISA 403(b)
July 24, 2012 (PLANSPONSOR (b)lines) – “A private 501(c)(3) with whom I work maintains an ERISA 403(b) plan. Currently the plan has no employer contributions, only elective deferrals,...
(b)lines Ask the Experts – Unknown Vendor Provides Fee Disclosure
July 17, 2012 (PLANSPONSOR (b)lines) – “I read your Ask the Expert column of last week on missing vendor fee disclosure with great interest, since I have the...
(b)lines Ask the Experts – Vendor Fails to Provide Fee Disclosure
July 10, 2012 (PLANSPONSOR (b)lines) – “Hope the Experts had a wonderful 4th of July! As for me, not so much, since I discovered that one of...
(b)lines Ask the Experts – Enhanced Match for Longer-Term Employees
July 3, 2012 (PLANSPONSOR (b)lines) – “I am a fiduciary for a large ERISA 403(b) plan, and we currently match a flat percentage for all eligible employees (50%...
(b)lines Ask the Experts – Spinning Off a Related Entity
June 26, 2012 (PLANSPONSOR (b)lines) – At the live Ask the Experts session at the recent 2012 PLANSPONSOR National Conference, an attendee asked, “Our nonprofit organization is spinning...
(b)lines Ask the Experts – What Is Revenue Sharing?
June 19, 2012 (PLANSPONSOR (b)lines) – At the live Ask the Experts session at the recent 2012 PLANSPONSOR National Conference, an attendee asked, “What is revenue sharing?”
(b)lines Ask the Experts – Moving from 403(b) to 401(k)
June 12, 2012 (PLANSPONSOR (b)lines) – At the recently completed 2012 PLANSPONSOR National Conference, David Powell of Groom Law Group and Michael Webb of Cammack LaRhette Consulting conducted...