Ask the Experts

Ask the Experts | May 10th, 2011

(b)lines Ask the Experts – Responsibility for Updating Plan to Comply with Regs

May 10, 2011 (PLANSPONSOR (b)lines) – “Our museum has a 403(b) plan with only one provider that provides investment vehicles and also serves as the third party administrator. We...

Ask the Experts | May 3rd, 2011

(b)lines Ask the Experts – Tax on Distributions to a Beneficiary

May 3, 2011 (PLANSPONSOR (b)lines) – “An employee participating in a 403(b) plan died and now his widow, who is 58, has been told she must pay a...

Ask the Experts | April 26th, 2011

(b)lines Ask the Experts – Ensuring Compliant Transactions in Multi-Vendor Plans

April 26, 2011 (PLANSPONSOR (b)lines) – “I am a 403(b) plan sponsor with multiple vendors, and I have heard from law firms, consulting firms, providers and others that...

Ask the Experts | April 19th, 2011

(b)lines Ask the Experts – Restrictions on Hardship Withdrawals

April 19, 2011 (PLANSPONSOR (b)lines) – “We are establishing a new 403(b) plan with a mutual fund provider and wanted to be able to permit hardship distributions on...

Ask the Experts | April 12th, 2011

(b)lines Ask the Experts – Correcting Excess Deferrals

April 12, 2011 (PLANSPONSOR (b)lines) – “I recently discovered that one of our 403(b) plan participants deferred in excess of the 402(g) limit ($16,500) in 2010, and does...

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Ask the Experts | March 29th, 2011

(b)lines Ask the Experts – Improving the Plan Audit Experience

March 29, 2011 (PLANSPONSOR (b)lines) – “We are a large ERISA 403(b) plan sponsor and our experience with our very first 5500 plan audit for the 2009 play...

Ask the Experts | March 22nd, 2011

(b)lines Ask the Experts – An Employee Wants to Defer 100%

March 22, 2011 (PLANSPONSOR (b)lines) – “Can a per diem employee who works nominal hours and receives only a few hundred dollars in gross compensation per pay period...

Ask the Experts | March 15th, 2011

(b)lines Ask the Experts – Why 403(b)s Are Slower to Adopt Auto Enroll

March 15, 2011 (PLANSPONSOR (b)lines) – Do the Experts have any insight as to why adoption of automatic enrollment in 403(b) plans lags behind that of 401(k)s?

Ask the Experts | March 8th, 2011

(b)lines Ask the Experts – IRS Audits of Prior Plan Years

March 8, 2011 (PLANSPONSOR (b)lines) – A plan adviser says, “Recently, one of the 403(b) plans I advise received a letter from the IRS indicating the plan is...

Ask the Experts | March 1st, 2011

(b)lines Ask the Experts – Non-Discrimination Rules for Non-QCCOs

March 1, 2011 (PLANSPONSOR (b)lines) – A 501(c)(3) religious organization maintains a 403(b) plan with an employer matching contribution feature.

Ask the Experts | February 22nd, 2011

(b)lines Ask the Experts – Growing over 100 Participants

February 22, 2011 (PLANSPONSOR (b)lines) – A tax-exempt organization in 2010 grew to have 110 participants (including both active and terminated) in its 403(b) plan, while prior to...

Ask the Experts | February 15th, 2011

(b)lines Ask the Experts – Tips on Discrimination Testing

February 15, 2011 (PLANSPONSOR (b)lines) – A (b)lines reader writes: “Our 403b plan has just failed the annual ACP discrimination testing.

Ask the Experts | February 8th, 2011

(b)lines Ask the Experts – When a Deferral is not “Elective”

February 8, 2011 (PLANSPONSOR (b)lines) – “I was told that the “mandatory” salary reduction contribution provided for in my employer’s 403(b) plan does NOT count against the 402(g)...

Ask the Experts | February 1st, 2011

(b)lines Ask the Experts – Where is the Prototype Program?

February 1, 2011 (PLANSPONSOR (b)lines) – “What happened to the 403(b) prototype program we were expecting last year?”

Ask the Experts | January 25th, 2011

(b)lines Ask the Experts – Eligibility for Roth Conversion

January 25, 2011 (PLANSPONSOR (b)lines) – “I am a senior executive at a nonprofit and was excited to hear about the new rules that would permit me to...

Ask the Experts | January 18th, 2011

(b)lines Ask the Experts – A 54-Year-OId Avoids the Early Withdrawal Penalty

January 18, 2011 (PLANSPONSOR (b)lines) – “I have a bet with a colleague that I will buy her a fancy lunch if it is possible for an individual...

Ask the Experts | January 11th, 2011

(b)lines Ask the Experts – The Demise of 403(b)s?

January 11, 2011 (PLANSPONSOR (b)lines) – “Down the road, do you believe that 403(b) plan designs will be eliminated in favor of 401(k) plans or a uniform plan design?”

Ask the Experts | January 4th, 2011

(b)lines Ask the Experts – Definition of Participant for W-2

January 4, 2011 (PLANSPONSOR (b)lines) – My payroll department has indicated to me that they must check off a box listed as "Retirement Plan" in Box 13 of...

Ask the Experts | December 28th, 2010

(b)lines Ask the Experts – Amending Plans for the HEART Act

December 28, 2010 (PLANSPONSOR (b)lines) – Retirement plans should be amended for provisions of the Heroes Earnings Assistance and Relief Tax Act of 2008 by December 31, 2010,...

Ask the Experts | November 30th, 2010

(b)lines Ask the Experts – Aggregating Accounts for RMDs

November 30, 2010 (PLANSPONSOR (b)lines) – If an individual is a participant in more than one 403(b) plan or the individual is invested in multiple 403(b) contracts, can...

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