- 12/11/2024
December 2024 Retirement Times Newsletter
View Details View Details about December 2024 Retirement Times Newsletter - 12/11/2024
November 2024 Retirement Times Newsletter
View Details View Details about November 2024 Retirement Times Newsletter - 10/15/2024
October 2024 Retirement Times Newsletter
View Details View Details about October 2024 Retirement Times Newsletter - 6/6/2024
June 2024 - Retirement Times Newsletter
Learn More Learn More about June 2024 - Retirement Times Newsletter - 7/8/2024
July 2024 - Retirement Times Newsletter
Learn More Learn More about July 2024 - Retirement Times Newsletter - 8/2/2024
August 2024 Retirement Times Newsletter
Learn More Learn More about August 2024 Retirement Times Newsletter - 9/1/2024
September 2024 Retirement Times Newsletter
View Details View Details about September 2024 Retirement Times Newsletter - 3/15/2024
7 Tips to Prepare You for Retirement
View Details View Details about 7 Tips to Prepare You for Retirement - 4/15/2024
Tax Tips to Maximize Retirement Savings
Learn More Learn More about Tax Tips to Maximize Retirement Savings - 5/13/2024
May 2024 - Retirement Times Newsletter
Learn More Learn More about May 2024 - Retirement Times Newsletter - 2/24/2024
Strategies for Maximizing Workplace Retirement Benefits
View Details View Details about Strategies for Maximizing Workplace Retirement Benefits - 11/8/2023
Fall 2023 Benefits Insights Newsletter
View Details View Details about Fall 2023 Benefits Insights Newsletter - Aug 1, 2023
Summer 2023 – Benefit Insights Newsletter
View Details View Details about Summer 2023 – Benefit Insights Newsletter - May 3, 2023
Spring 2023 – Benefit Insights Newsletter
View Details View Details about Spring 2023 – Benefit Insights Newsletter - February 1, 2023
Winter 2023 – Benefit Insights Newsletter
View Details View Details about Winter 2023 – Benefit Insights Newsletter - Nov 1, 2022
Fall 2022 – Benefit Insights Newsletter
View Details View Details about Fall 2022 – Benefit Insights Newsletter - Aug 2, 2022
Summer 2022 – Benefit Insights Newsletter
View Details View Details about Summer 2022 – Benefit Insights Newsletter - May 3, 2022
Timing of Deposits 401(k)/403(b) Deferrals and Loan Repayments
View Details View Details about Timing of Deposits 401(k)/403(b) Deferrals and Loan Repayments - Feb 2, 2022
Winter 2022 – Benefit Insights Newsletter
View Details View Details about Winter 2022 – Benefit Insights Newsletter - Nov 9, 2021
Save More for Retirement in 2022 | Participant Distribution Fraud in the “New Normal”|
View Details View Details about Save More for Retirement in 2022 | Participant Distribution Fraud in the “New Normal”| - Sep 22, 2021
Missing Participants: Ready or Not, Here I Come! | Safe Harbor: A Cure For Your Testing Headaches
View Details View Details about Missing Participants: Ready or Not, Here I Come! | Safe Harbor: A Cure For Your Testing Headaches - May 6, 2021
Retirement Planning is a Team Sport | Department of Labor Issues Cybersecurity Guidance
View Details View Details about Retirement Planning is a Team Sport | Department of Labor Issues Cybersecurity Guidance - Feb 2, 2021
The MEP/PEP Debate: Are We Better Together?
View Details View Details about The MEP/PEP Debate: Are We Better Together? - Nov 17, 2020
Cost of Living Adjustments for 2020
View Details View Details about Cost of Living Adjustments for 2020 - April 7, 2020
Understanding the CARES Act | Coronavirus-Related Distributions
View Details View Details about Understanding the CARES Act | Coronavirus-Related Distributions - November 13, 2019
IRS Announces Limits for 2020 | Safe Harbor 401(k) Plan Design
View Details View Details about IRS Announces Limits for 2020 | Safe Harbor 401(k) Plan Design - May 2, 2019
Automatic Enrollment Is On the Rise
View Details View Details about Automatic Enrollment Is On the Rise - Feb 4, 2019
It's Testing Season | Know Your Options | The 401(k) Turns 40
View Details View Details about It's Testing Season | Know Your Options | The 401(k) Turns 40 - Aug 2, 2018
The Retirement Income Gap/Helpful Hints for Plan Sponsors
View Details View Details about The Retirement Income Gap/Helpful Hints for Plan Sponsors - May 9, 2018
Who is an Employee? / HSA vs 401(k)
View Details View Details about Who is an Employee? / HSA vs 401(k) - Dec 6, 2017
End of the Year Checklist & iWork: The Next Gen Workforce
View Details View Details about End of the Year Checklist & iWork: The Next Gen Workforce - Sep 26, 2017
Fiduciary Rule Round Up & Houston, We Have a Problem...
View Details View Details about Fiduciary Rule Round Up & Houston, We Have a Problem... - Apr 11, 2017
Benefit Communications in an Electronic World
View Details View Details about Benefit Communications in an Electronic World - Jan 30, 2017
Dealing with Uncashed Distribution Checks and Missing Participants
View Details View Details about Dealing with Uncashed Distribution Checks and Missing Participants - Dec 1, 2016
Rules and Taxation of 401(k) Plan Distributions
View Details View Details about Rules and Taxation of 401(k) Plan Distributions - Oct 1, 2016
Keeping Abreast of Plan Loan Rules
View Details View Details about Keeping Abreast of Plan Loan Rules - Aug 1, 2016
DOL Issues New Fiduciary Rule
View Details View Details about DOL Issues New Fiduciary Rule - Apr 1, 2016
A Fresh Look at Your Form 5500 Filing
View Details View Details about A Fresh Look at Your Form 5500 Filing - Feb 1, 2016
Part-Time Employees in 401(k) Plans
View Details View Details about Part-Time Employees in 401(k) Plans - Dec 1, 2015
Determining Retirement Plan Compensation
View Details View Details about Determining Retirement Plan Compensation - Oct 26, 2015
A Plan Fiduciary's Responsibilities
View Details View Details about A Plan Fiduciary's Responsibilities - Aug 11, 2015
The IRS is Back with Some Brand New Corrections
View Details View Details about The IRS is Back with Some Brand New Corrections - Jun 1, 2015
The Best Plan to Drive Your Retirement Needs
View Details View Details about The Best Plan to Drive Your Retirement NeedsExcuse me, can you tell me what kind of car is best for me? It is impossible to answer that question without getting more… - Apr 1, 2015
Automatic Enrollment for 401(k) Plans
View Details View Details about Automatic Enrollment for 401(k) PlansMcDonald's may have been the automatic enrollment pioneer 30 years ago, but it wasn't until 2008 when the new Pension Protection… - Feb 2, 2015
Timing Is Everything
View Details View Details about Timing Is EverythingFor years now, we have been hearing from the Department of Labor (DOL) about the importance of depositing employee 401(k)… - Dec 2, 2014
Year-End Compliance Testing Overview
View Details View Details about Year-End Compliance Testing OverviewThe end of the calendar year is fast approaching which means the plan year end for many qualified plans. It will be time for… - Oct 1, 2014
Hardship Distributions from 401(k) Plans
View Details View Details about Hardship Distributions from 401(k) PlansIt's four o'clock on Friday afternoon and there's a knock on the door of the Human Resource Manager's office. It's Zachary, a… - Aug 5, 2014
The Ultimate Plan Sponsor Checklist
View Details View Details about The Ultimate Plan Sponsor ChecklistWhile they don't have a book called Retirement Plan Sponsorship for Dummies, they should. So in the interim, here is a checklist… - May 27, 2014
The Continuing Evolution of the Safe Harbor 401(k) Plan
View Details View Details about The Continuing Evolution of the Safe Harbor 401(k) PlanThe safe harbor 401(k) plan roared onto the scene in 1998 as a new design that allowed company owners and other highly… - Feb 14, 2014
Boomerang Employees: Rehires and Retirement Plans
View Details View Details about Boomerang Employees: Rehires and Retirement PlansA boomerang employee is, quite simply, one who leaves and then comes back to work…a rehire. - Dec 1, 2013
Down with DOMA
View Details View Details about Down with DOMASigned into law in 1996, the federal Defense of Marriage Act (DOMA) is a small law that has caused big controversy. - Aug 1, 2013
Cross-Testing: The Right Tool for Many Jobs
View Details View Details about Cross-Testing: The Right Tool for Many JobsAs the national economy continues its recovery, more and more businesses are beginning to see their financial situations improve… - Jun 1, 2013
Under Control or Out of Control
View Details View Details about Under Control or Out of ControlIn today's business climate, it seems it is becoming increasingly common for businesses of all sizes to be structured using… - April 1, 2013
When Good Loans Go Bad
View Details View Details about When Good Loans Go BadThe economic environment of the last few years created financial challenges for individuals and businesses alike. - Feb 1, 2013
Don't let Missing Participants and Small Balances become a Big Problem
View Details View Details about Don't let Missing Participants and Small Balances become a Big ProblemAt some point, almost every company that sponsors a retirement plan will experience the "fun" of tracking down a missing… - Dec 3, 2012
The IRS Meets Letterman
View Details View Details about The IRS Meets LettermanAnyone who has ever watched late night television is familiar with the ubiquitous Top 10 List, counting down humorous examples… - Oct 1, 2012
How to Survive a Visit from the IRS or DOL
View Details View Details about How to Survive a Visit from the IRS or DOLThere are few things that will give a person that sinking feeling in the pit of their stomach like opening the mailbox and… - Aug 1, 2012
Top Heavy Impact on 401(k) Plans
View Details View Details about Top Heavy Impact on 401(k) Plans - Jun 1, 2012
Fiduciary Fact or Fiction
View Details View Details about Fiduciary Fact or FictionThe rules that govern the behavior of retirement plan fiduciaries are quite complex. - Apr 2, 2012
The Final Fee Disclosure Regulations Have Arrived
View Details View Details about The Final Fee Disclosure Regulations Have ArrivedNearly five years in the making, the Department of Labor (DOL) has published its long-awaited plan sponsor fee disclosure… - Feb 1, 2012
At Your Service
View Details View Details about At Your ServiceOne of the most fundamental requirements in managing a qualified retirement plan is counting an employee's length of service. - Dec 1, 2011
Increasing 401(k) Plan Participation
View Details View Details about Increasing 401(k) Plan ParticipationCash or deferred retirement plans, more commonly referred to as 401(k) plans, have become the backbone of the private pension… - Oct 3, 2011
Participant Fee Disclosure Requirements for Individual Account Plans
View Details View Details about Participant Fee Disclosure Requirements for Individual Account Plans - August 1, 2011
Should They Stay or Should They Go: Dealing with Terminated Participants
View Details View Details about Should They Stay or Should They Go: Dealing with Terminated Participants - Jun 1, 2011
Fiduciary Liability for Participant-Directed Plans
View Details View Details about Fiduciary Liability for Participant-Directed PlansIt seems that every month there are new stories in the financial press about participants suing their employers for… - Apr 1, 2011
Don't let the QDRO be Worse than the Marriage
View Details View Details about Don't let the QDRO be Worse than the Marriage - Feb 1, 2011
Do You Know Who Your Employees Are?
View Details View Details about Do You Know Who Your Employees Are?USA Today recently ran an article describing how many companies are using alternative work arrangements to meet staffing needs… - Oct 1, 2010
Record Retention
View Details View Details about Record RetentionThe record storage business is booming. A Google search yields pages and pages of links to companies offering to safely and… - Aug 2, 2010
Safe Harbor 401(k) Plan Offers Many Advantages
View Details View Details about Safe Harbor 401(k) Plan Offers Many AdvantagesThe continuing popularity of the 401(k) plan has made it the most widely used savings plan in the country. - Jun 1, 2010
Roth 401(k) FAQs
View Details View Details about Roth 401(k) FAQsDesignated Roth contributions (a/k/a Roth 401(k) or Roth deferrals) have been available since 2006, but a change in the tax laws… - Apr 1, 2010
When Should the Check be in the Mail?
View Details View Details about When Should the Check be in the Mail?Every qualified retirement plan has a specific deadline by which employer contributions must be deposited to the plan for each… - Feb 1, 2010
Participants are on a Need to Know Basis...and They Need to Know
View Details View Details about Participants are on a Need to Know Basis...and They Need to Know - Dec 1, 2009
Mandatory Electronic Filing Applies to Form 5500 Soon!
View Details View Details about Mandatory Electronic Filing Applies to Form 5500 Soon!When Congress passed the Pension Protection Act of 2006 (PPA), it enacted several provisions that affect your Form 5500 filing. - Oct 1, 2009
Voluntary Corrections for Qualified Plans
View Details View Details about Voluntary Corrections for Qualified PlansGiven the complex nature of administering qualified retirement plans in accordance with ever-changing pension law, mistakes are… - Aug 3, 2009
Plan Distributions Are on the Rise
View Details View Details about Plan Distributions Are on the RiseThe primary goal of a retirement plan is to accumulate savings to provide income after retirement. - Jun 1, 2009
ERISA Fiduciary Responsibilities
View Details View Details about ERISA Fiduciary ResponsibilitiesAre you a fiduciary of your company's retirement plan? If you're not sure, it's time to find out because if you are a fiduciary,… - Apr 1, 2009
Layoffs Can Result in a Partial Plan Termination Requiring 100% Vesting
View Details View Details about Layoffs Can Result in a Partial Plan Termination Requiring 100% Vesting - Feb 2, 2009
Payment Options for Plan Expenses
View Details View Details about Payment Options for Plan ExpensesQualified retirement plans provide tax deductible benefits for employers and employees, as well as an opportunity for… - Dec 1, 2008
The Hidden Pension Trap - The Aggregation Rules
View Details View Details about The Hidden Pension Trap - The Aggregation RulesOne of the primary objectives of the qualified plan rules is to make the tax advantages contingent upon covering a significant… - Oct 1, 2008
Timely Deposit of Plan Contributions
View Details View Details about Timely Deposit of Plan ContributionsThe Department of Labor (DOL) has finally provided much anticipated guidance for the timely deposit of elective deferrals in… - Aug 1, 2008
EGTRRA Restatements... The time has come
View Details View Details about EGTRRA Restatements... The time has comeIt's that time again! Time for what, you ask? To participate in that never ending ritual of qualified retirement plan… - Jun 2, 2008
Solving 401(k) Testing Problems With New Design Options
View Details View Details about Solving 401(k) Testing Problems With New Design OptionsOne of the more frustrating aspects for the small business maintaining a 401(k) plan is satisfying the special nondiscrimination… - Apr 1, 2008
Top Heavy Rules May Impact Plan Design
View Details View Details about Top Heavy Rules May Impact Plan DesignRetirement plans have been subject to "top heavy" rules for about 25 years. By now you'd think that their application would be… - Feb 1, 2008
Understanding 401(k) ADP and ACP Testing
View Details View Details about Understanding 401(k) ADP and ACP TestingThe 401(k) plan has emerged as the most popular form of retirement plan in the United States. This trend will likely continue… - Dec 3, 2007
Default Investment Rules Facilitate Auto Enrollment
View Details View Details about Default Investment Rules Facilitate Auto EnrollmentThe increasing popularity of salary deferral plans has led to a rise in the number of retirement accounts that allow… - Oct 1, 2007
Compensation: Definitions and Applications
View Details View Details about Compensation: Definitions and ApplicationsOne of the more complicated and confusing parts of qualified plan design and administration is determining the proper definition… - Aug 1, 2007
Keeping Abreast of Plan Limitations
View Details View Details about Keeping Abreast of Plan LimitationsQualified retirement plans are funded by contributions from employers and/or employees. These contributions are subject to a… - Jun 1, 2007
Keeping Up To Date With Form 5500 Requirements
View Details View Details about Keeping Up To Date With Form 5500 RequirementsAn annual report, Form 5500, is required to be filed with the Department of Labor (DOL) for almost all retirement plans. - Apr 2, 2007
The Prudent 401(k) Fiduciary
View Details View Details about The Prudent 401(k) FiduciaryDriven by an interest in attracting talented personnel and a natural aversion to the financial risks attached to traditional… - Feb 1, 2007
Plan Compliance Update for 2007
View Details View Details about Plan Compliance Update for 2007It's that time of year again… when retirement plan sponsors need to give their plans the administrative equivalent of an… - Dec 1, 2006
Participant Cruise Control: Automatic Enrollment
View Details View Details about Participant Cruise Control: Automatic EnrollmentOn August 17, President Bush signed the Pension Protection Act of 2006 (PPA) into law. - Oct 2, 2006
Pension Protection Act of 2006 Reinforces Private Pension System
View Details View Details about Pension Protection Act of 2006 Reinforces Private Pension SystemOn August 17, 2006, President Bush signed into law the most widespread retirement plan changes of the past five years. - Aug 1, 2006
Retirement Plan Coverage for Part-Time Employees
View Details View Details about Retirement Plan Coverage for Part-Time EmployeesA major business trend in the American workplace is the hiring of part-time, seasonal or temporary employees (collectively… - Jun 1, 2006
Hardship Distributions Provide Valuable Option
View Details View Details about Hardship Distributions Provide Valuable OptionIn an ideal world, we would all contribute as much money as possible to our retirement plans and allow it to grow until we were… - Apr 3, 2006
Military Leave Rules for Retirement Plans
View Details View Details about Military Leave Rules for Retirement PlansThe Uniformed Services Employment and Reemployment Rights Act of 1994 ("USERRA") protects the rights of employees who leave… - Feb 1, 2006
Responsibilities of a Plan Sponsor
View Details View Details about Responsibilities of a Plan SponsorA qualified retirement plan can provide many benefits for an employer and its employees. - Dec 1, 2005
A Primer on Qualified Plan Document Maintenance
View Details View Details about A Primer on Qualified Plan Document MaintenanceThe sponsor of a tax-qualified retirement plan and the plan's fiduciaries have a number of obligations once a plan is… - Oct 3, 2005
The Plain Truth About "Simple" Retirement Plans
View Details View Details about The Plain Truth About "Simple" Retirement PlansThe increasing complexities of daily life have left many Americans seeking simpler solutions. - Aug 1, 2005
New Retirement Plan Option Coming in 2006: The Roth 401(k)!
View Details View Details about New Retirement Plan Option Coming in 2006: The Roth 401(k)!In 1997, the Internal Revenue Code was amended to permit individuals to make contributions to a new type of IRA called a "Roth… - Jun 1, 2005
Safe Harbor 401(k) Plans Provide Smooth Sailing
View Details View Details about Safe Harbor 401(k) Plans Provide Smooth SailingThe term "safe harbor" has a multitude of meanings in conjunction with the administration of qualified retirement plans. - Apr 1, 2005
Guide to Distributions From 401(k) Plans
View Details View Details about Guide to Distributions From 401(k) PlansA 401(k) plan permits employees to defer a portion of their salaries on a pre-tax basis with the objective of accumulating…
