(b)lines Ask the Experts – Deferring 100% of Paycheck
“I work at a museum, and one of our C-Suite employees realized she had not made salary deferrals to either our 403(b) plan or our 457(b) plan.
Voices
Opinions |
What Is the Definition of Compensation and Why Does It Matter?
We've all been in a "don't shoot the messenger" situation where you have to be the bearer of bad news even if you did nothing to cause the...
(b)lines Ask the Experts – Ongoing Notice Requirements
“I realize there is an important upcoming deadline for certain plan notices—the QDIA, automatic enrollment, and ADP/ACP safe harbor plan notices—all of which are due to be distributed...
SURVEY SAYS: Holiday Parking Lot Behavior
Last week, we covered a survey about mishaps and confrontations in parking lots during the holiday season.
(b)lines Ask the Experts – Missing Spouses as Beneficiaries
November 18, 2014 (PLANSPONSOR (b)lines) – “One of our new employees told us she does not wish to name her spouse as beneficiary of her retirement plan benefit.
SURVEY SAYS: Workplace Holiday Practices
With Thanksgiving only two weeks away, many of you may be getting into the holiday spirit.
Opinions |
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 |
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.
(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.
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 |
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.
(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 |
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 |
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.
(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)...
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 |
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 |
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...
(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...
SURVEY SAYS: NewsDash’s 15-Year Anniversary
October 20, 2014 (PLANSPONSOR.com) - Last week marked the 15th anniversary of our NewsDash email newsletter.