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.
Voices
(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.
(b)lines Ask the Experts – Which Rules for 457(b)s Must Church Plans Follow?
“I read with great interest a recent Ask the Experts column in which you discussed the differences between governmental 457(b) plans and those sponsored by private tax-exempt entities.
Opinions |
Taking Your Plan (and Participants) to the Next Level
More employers are starting to enhance financial benefits, through automatic enrollment, health savings programs, or other financial wellness initiatives, notes Rick Irace, chief operating officer, Ascensus Retirement.
(b)lines Ask the Experts – Using Distributions for Ministers’ Housing Allowance in Church Plans
“I know participants can apply part of their distributions as ministers’ housing allowance (granted they meet the requirements) in a 403(b)(9) church retirement income account. But can they...
SURVEY SAYS: Keeping Up to Date in the Industry
Our PLANSPONSOR National Conference is coming soon.