Ask the Experts

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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Ask the Experts | November 20th, 2012

(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 | November 13th, 2012

(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...

Ask the Experts | October 30th, 2012

(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.

Ask the Experts | October 23rd, 2012

(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...

Ask the Experts | October 16th, 2012

(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...

Ask the Experts | October 9th, 2012

(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.

Ask the Experts | September 25th, 2012

(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?”

Ask the Experts | September 18th, 2012

(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.

Ask the Experts | September 11th, 2012

(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...

Ask the Experts | August 28th, 2012

(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...

Ask the Experts | August 14th, 2012

(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...

Ask the Experts | August 7th, 2012

(b)lines Ask the Experts – Effect of Revised Fee Disclosure Guidance

August 7, 2012 (PLANSPONSOR (b)lines) – “I was...

Ask the Experts | July 31st, 2012

(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.

Ask the Experts | July 24th, 2012

(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,...

Ask the Experts | July 17th, 2012

(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...

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