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Determining Retirement Plan Compensation

  • 12/15/2015 8:07:00 AM
It might not surprise you to hear that the IRS has some fairly complicated rules governing compensation levels and retirement plan contributions. In fact, the IRS reports that a good number of plan sponsors get this key issue wrong - a mistake that c...
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Plan Fiduciary's Responsibilities

  • 10/20/2015 8:21:00 AM
The term “fiduciary” gets used a lot these days; sometimes, we suspect, without a true understanding of what the term means and how fiduciary responsibility applies to our industry. It’s a corner of the retirement plan industry that...
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The IRS is Back with Some Brand New Corrections

  • 9/2/2015 8:33:00 AM
September 2015 NewsletterWhen Mistakes HappenWhen we work with you as your third-party administrator, we commit to keeping your retirement plan compliant and error-free. And we take that commitment seriously. But as the saying goes, mistakes happen, ...
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The Right Combination for Your Retirement Plan

  • 8/4/2015 9:28:00 AM
Introduction Setting the Stage The Defined Benefit Component Eligibility Crediting Interest Contributions Top Heavy Minimums Limits on Tax Deductions Flexibility Funding Requirements Conclusion Although not a new design, there has been renewed ...
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The Best Plan to Drive Your Retirement Needs

  • 6/1/2015 11:33:00 AM
The Best Plan to Drive Your Retirement Needs  Introduction Lease or Purchase Defined Benefit (DB) Plan Defined Contribution (DC) Plan The Car Lot Compact or Full Size? One-Car Garage Eligibility Employee Deferrals Matching Contributions Profit S...
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Automatic Enrollment for 401(k) Plans

  • 4/1/2015 11:39:00 AM
Introduction What is Automatic Enrollment? Eligible Automatic Contribution Arrangement (EACA) Qualified Automatic Contribution Arrangement (QACA) "Generic" Automatic Enrollment Why Automatic Enrollment? Preventing a Test Failure Example #1...
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Timing is Everything

  • 2/1/2015 11:55:00 AM
Introduction Depositing Employee Deferrals Depositing Company Contributions Tax Deductions Not for Profit Organizations Contribution Limits Test Corrections Safe Harbor 401(k) Plans The Ubiquitous "Miscellaneous  Category Conclusion &nb...
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Year-End Compliance Testing Overview

  • 12/5/2014 12:17:00 PM
Introduction Employee Census Data Collection Owners and Officers Highly Compensated Employees (HCEs) Key Employees Related Businesses Required Plan Testing Minimum Coverage Test Average Deferral Percentage (ADP) and Average Contribution Percentage (...
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Hardship Distributions from 401(k) Plans

  • 10/1/2014 12:46:00 PM
Introduction Does the Plan Permit Hardship Distributions? What Qualifies as a Hardship? Are Other Financial Resources Available to the Participant? Plan Loans vs. Hardship Distributions What Funds are Available for Hardship Distribution? Employee De...
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