(b)lines Ask the Experts – Effect of the Supreme Court Ruling on Church Plans
“I heard that the recent Supreme Court ruling was favorable to church plans sponsored by organizations such as faith-based universities and church hospitals.
Voices
SURVEY SAYS: News in Print
With all the ways we can get news now, newspapers are struggling to sell print editions.
Opinions |
Uncovering Hidden Risks in Fixed-Income Target-Date Fund Allocations
Brett Wander and Jake Gilliam of Charles Schwab say plan sponsors should consider re-examining their TDF fixed-income allocations, with an eye toward identifying potential heightened downside exposure risk.
(b)lines Ask the Experts – Consequence of Offering Non-Eligible Investments
“What is the consequence of a plan that, though written to permit only 403(b) eligible investments (403(b)(1) fixed/variable annuities and /or 403(b)(7) custodial accounts (mutual funds)), actually offers...
SURVEY SAYS: Asking for a Raise
Even if I felt I deserved it, I have never felt comfortable asking an employer to give me a salary raise.
(b)lines Ask the Experts – Must Form 8955-SSA Be Filed Electronically?
“I have received conflicting information as to whether Form 8955-SSA is required to be filed electronically. Can the Experts clarify?”
Opinions |
Tax-Advantaged Relief and Retirement Savings: HSAs Shape the Way for the Millennial Generation
Jamie Janvier, with ConnectYourCare, discusses how to get Millennials to understand the value of health savings accounts and other tax-advantaged savings.
SURVEY SAYS: Annuities and Lifetime Retirement Income
Retirement plan sponsors’, providers’ and regulators’ concerns about ensuring lifetime retirement income for employees has increased over the years.
Opinions |
Barry’s Pickings Online: Untangling the State Auto-IRA/ERISA Mess
Michael Barry, president of the Plan Advisory Services Group, discusses what may be confusion among lawmakers about state-run plans for private-sector workers.
SURVEY SAYS: Additional Time Off for Independence Day
The 4th of July falls on a Tuesday this year, and it has always felt weird to me when a holiday breaks up the work week like that.
Opinions |
PBGC’s Early Warning Program
Marcia Wagner, founder of The Wagner Law Group, discusses how the Early Warning Program works and what will trigger it.
(b)lines Ask the Experts – Do 415 Limits Include Age-50 and 15-Year Catch Up Contributions?
“Our 403(b) plan provides for a fairly large employer contribution, which causes some of our employees to be restricted by the 415 combined limit on employer and employee...
SURVEY SAYS: Taking a Guaranteed Return
Several investment managers are reporting that market return expectations going forward will be much lower than in the past—some as low as 3% to 4%.
(b)lines Ask the Experts – Getting Rid of QJSA Form of Benefit When Restating the Plan
“We have a client (plan sponsor) whose 403(b) plan still has some plan assets in annuity contracts.
(b)lines Ask the Experts – Changing Withdrawal Provisions When Transferring to a 403(b)(1) Annuity Contract
“I work with a 403(b)(7) plan with employer matching and employer non-elective contributions in addition to elective deferral contributions. The plan doesn’t permit age 59-1/2 and hardship withdrawals....
(b)lines Ask the Experts – When the Individual Who Signed Form 5500 Retired
“We are starting preparations for our retirement plan’s Form 5500 annual return filing; however, the individual who signs our returns as employer and plan administrator retired, and the...
SURVEY SAYS: Fears About Taking Vacation
We recently covered a survey in which respondents express fears about taking vacation—from projects not moving along to coming back to a ridiculous workload.
Opinions |
Barry’s Pickings Online: The End of PAYGO?
Michael Barry, president of the Plan Advisory Services Group, contemplates what will happen to the pay-as-you-go retirement systems as demographics change.
SURVEY SAYS: Summer Office Perks
We recently covered a survey which found fewer companies are offering summer perks such as flexible schedules, shorter hours on Fridays and a relaxed dress code.