Opinions |
Nonqualified Plans Attract Top Talent
Three key factors for successfully adopting nonqualified retirement plans.
Voices
(b)lines Ask the Experts – Why Some 403(b)s May Delay Form 5500 Filing
“I am fairly new to the employee benefits field, but was shocked to find that our employer, a private university, delays its 403(b) retirement plan Form 5500 filing...
SURVEY SAYS: Importance of Employer Reputation
We covered a survey that found 71% of U.S. workers say they would not apply to a company experiencing negative press; however, only 6% of workers have left...
Opinions |
Barry’s Pickings Online: Needed: Critical Retirement Savings Infrastructure
Michael Barry, president of the Plan Advisory Services Group, discusses his idea for a solution to the “missing participant” plan leakage problem.
(b)lines Ask the Experts – When Nondiscriminatory Compensation Under 414(s) Applies
“A Section 414(e)(e) religious organization, that does not meet the definition of church or qualified church-controlled organization QCCO under Section 3121(w)(3)(A) and (B), and elects not to be...
SURVEY SAYS: Personal Activities During Work Time
We covered a survey that found employees squander an average of 56 minutes per day, or the equivalent of nearly five hours a week, using their mobile devices...
(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.
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.