Voices

Opinions | November 12th, 2014

Questions on ACA ‘Cadillac Tax’: Part I

Internal Revenue Code section 4980I, as enacted by the Patient Protection and Affordable Care Act (ACA), imposes a 40%, nondeductible excise tax (Excise Tax) on employers, health insurance...

Opinions | November 11th, 2014

Building Better Retirement Outcomes, with Better Tools

The rise of defined contribution (DC) plans as the primary retirement vehicle for U.S. workers over the past few decades is here to stay.

Ask the Experts | November 11th, 2014

(b)lines Ask the Experts – Should Fund Prospectuses Be Automatically Sent?

November 11, 2014 (PLANSPONSOR (b)lines) – “I work at a 501(c)(3) social welfare organization that sponsors an Employee Retirement Income Security Act (ERISA) retirement plan for its employees.

Reader Responses | November 10th, 2014

SURVEY SAYS: Real Estate Investments

Some defined benefit plan sponsors use real estate investments to hedge volatility in their portfolios, and a study from the Defined Contribution Real Estate Council suggests real estate...

Opinions | November 4th, 2014

Exploring the ‘Glide Range’: Today’s New Glide Path

Today’s range of available glide paths in target-date funds (TDFs) provides retirement plan sponsors with more choices, yet spurs the need for more effective due diligence programs.

Ask the Experts | November 4th, 2014

(b)lines Ask the Experts – When Must Fee Disclosures Be Sent?

November 4, 2014 (PLANSPONSOR (b)lines) – “Now that the 5500 and Form-SSA filing has been completed, I am turning my attention to the Summary Annual Report and the...

Opinions | October 31st, 2014

Plan Designs to Help Potentially Defer Taxation

October 31, 2014 (PLANSPONSOR.com) - "In this world nothing can be said to be certain, except death and taxes" - Benjamin Franklin

Opinions | October 28th, 2014

How Can Plan Sponsors Handle PBGC Premiums for Underfunding?

October 28, 2014 (PLANSPONSOR.com) - The Pension Benefit Guaranty Corporation (PBGC) charges pension plans a portion of their underfunding each year.

Ask the Experts | October 28th, 2014

(b)lines Ask the Experts – Reporting Participants Who Have Withdrawn Accounts

October 28, 2014 (PLANSPONSOR (b)lines) – “I noticed in our recently filed Form 8955-SSA, we report individuals who terminated employment, but who retain account balances in our 403(b)...

Reader Responses | October 27th, 2014

SURVEY SAYS: Minimum Wage Increase

October 27, 2014 (PLANSPONSOR.com) - Last week, we covered a survey that found a majority of employers think their states should increase the minimum wage for employees, with...

Opinions | October 24th, 2014

Can Plan Sponsors Be Smarter About Smart Beta?

October 24, 2014 (PLANSPONSOR.com) - Smart beta is fast becoming a popular approach for providing retirement plan investors with a different, yet systematic, equity exposure than that offered...

Opinions | October 21st, 2014

Boosting Retirement Readiness at Key Career Stages

October 21, 2014 (PLANSPONSOR.com) - This week marks the annual celebration of National Save for Retirement Week, an initiative promoting the importance of offering and participating in employer-sponsored...

Ask the Experts | October 21st, 2014

(b)lines Ask the Experts – Explaining Tax Withholding on Plan Distributions

October 21, 2014 (PLANSPONSOR (b)lines) – “As the primary administrator for our 403(b) plan, I have difficulty explaining to participants the significance of the 20% tax withholding requirement...

Reader Responses | October 20th, 2014

SURVEY SAYS: NewsDash’s 15-Year Anniversary

October 20, 2014 (PLANSPONSOR.com) - Last week marked the 15th anniversary of our NewsDash email newsletter.

Opinions | October 17th, 2014

Low Beta Portfolios: What Could Possibly Go Wrong?

October 17, 2014 (PLANSPONSOR.com) - There is now substantial research to document the existence of the so-called low volatility anomaly.

Opinions | October 14th, 2014

To Choose or Not to Choose; That Is the Question

October 14, 2014 (PLANSPONSOR.com) - The transition from defined benefit retirement plans to a retirement plan landscape in which employees are responsible for their own investment decisions has...

Ask the Experts | October 14th, 2014

(b)lines Ask the Experts – What Is a Fidelity Bond?

October 14, 2014 (PLANSPONSOR (b)lines) – “I am in the process of filing our retirement plan 5500s and a question regarding fidelity bond coverage is listed.

Reader Responses | October 13th, 2014

SURVEY SAYS: Workplace Chats Not Related to Work

October 13, 2014 (PLANSPONSOR.com) - There is so much going on in the world and our lives that we can’t all possibly think about work all the time.

Opinions | October 10th, 2014

Unbundling the Target-Date Fund

October 10, 2014 (PLANSPONSOR.com) - There have been many articles that have detailed the vast differences between the various off-the-shelf target-date strategies for the defined contribution mid-market.

Opinions | October 10th, 2014

Objectively, How Good Is Your Retirement Plan? Part 2

October 10, 2014 (PLANSPONSOR.com) - Objectively, how good is your retirement plan? Without some comparative analysis, how would you know?

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Implementing a retirement income solution in a defined contribution plan is not a product decision, but a governance decision with long-term implications. Join PLANSPONSOR's Retirement Income livestream series to get practical guidance and learn about resources to develop decision frameworks that can be taken back to plan and investment committees.

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