Ask the Experts

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?”

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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...

Ask the Experts | November 17th, 2010

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

November 23, 2010 (PLANSPONSOR (b)lines) – Will the new fee disclosure rules for disclosures from service providers to plan fiduciaries and for disclosures to plan participants that are...

Ask the Experts | October 19th, 2010

(b)lines Ask the Experts – Fee Disclosure and Church Plans

October 19, 2010 (PLANSPONSOR (b)lines) – “I heard that there are some new regulations that will require my retirement plan vendors to provide complete disclosure of any and...

Ask the Experts | September 21st, 2010

(b)lines Ask the Experts – ERISA Status for Church-Related Entities

September 21, 2010 (PLANSPONSOR (b)lines) – A church sponsors a pre-school, which is not separately incorporated.

Ask the Experts | September 2nd, 2010

(b)lines Ask the Experts – Eligibility Requirement Restrictions for Dual Status Sponsors

September 7, 2010 (PLANSPONSOR (b)lines) – In an ERISA 403(b) plan, a plan may require a two-year service requirement for employer contributions provided the participant is 100% immediately...

Ask the Experts | August 31st, 2010

(b)lines Ask the Experts – Requiring Transfer before Taking a Loan

August 31, 2010 (PLANSPONSOR (b)lines) – A plan sponsor wishes to disallow participant loans from vendors that are no longer receiving contributions and amend its plan to require...

Ask the Experts | August 24th, 2010

(b)lines Ask the Experts – No Plan Document

August 24, 2010 (PLANSPONSOR (b)lines) – A 403(b) plan does not yet have a written plan document, what should the plan sponsor do?

Ask the Experts | August 17th, 2010

(b)lines Ask the Experts – Dual Entities

August 17, 2010 (PLANSPONSOR (b)lines) – A hospital is both an instrumentality of a state or a political subdivision of a state within the meaning of Code section 414(d) and a separate corporation recognized...

Ask the Experts | August 3rd, 2010

(b)lines Ask the Experts – Universal Availability and Excluding Compensation

August 3, 2010 (PLANSPONSOR (b)lines) – A reader asks: “Does the Universal Availability requirement mean that the plan document cannot exclude certain items of compensation for purposes of...

Ask the Experts | July 13th, 2010

(b)lines Ask the Experts – Universal Availability and Immediate Deferral

July 13, 2010 (PLANSPONSOR (b)lines) – A reader says: “I have been told that the new regulation for Universal Availability requires employees be allowed to defer immediately to...

Ask the Experts | July 6th, 2010

(b)lines Ask the Experts – Church Plans and State Laws

July 6, 2010 (PLANSPONSOR (b)lines) – A reader says: “What is the duty of a nonelecting church 403(b) plan to comply with state law, for example in the...

Ask the Experts | June 29th, 2010

(b)lines Ask the Experts – Summary Annual Reports

June 29, 2010 (PLANSPONSOR (b)lines) – A reader says: “I had heard that Summary Annual Reports (SARs) were not required for 403(b) plans. Has this changed with the...

Ask the Experts | June 15th, 2010

(b)lines Ask the Experts – Transfers vs. Rollovers

June 15, 2010 (PLANSPONSOR (b)lines) – A reader says: “Our 403(b) Plan document indicates that transfers from the plan to another 403(b) plan are not permitted. However the Plan document permits direct rollovers to...

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