403b Plans
Tech Talk addresses how contributions can be made to a 403(b) account.
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Tech Talk addresses whether collective investment funds are regulated by the Office of the Comptroller of the Currency and whether they are eligible investment vehicles for 403(b) plans.
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Remember the required minimum distribution (RMD) rules and the recent changes that have been made to them, the IRS reminds. It issued the reminder in a March 16 news release that highlights those changes.
SECURE Act
The Setting Every Community Up for Retirement Enhancement (SECURE) Act changed...
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Tech Talk addresses whether it is a problem if participant tools offered by 403(b) plan providers to help assess risk tolerance and investment preferences suggest specific investment allocations or model portfolios, and offer options to elect periodic rebalancing to keep allocations in line with...
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K-12 public school employees are still saving for retirement, but their concern about their financial security in retirement outstrips that of other public-sector employees, according to a recent study.
The Center for State and Local Government Excellence reports in its study, “K-12 Public School...
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The progress that has been made over the last 10 years with participation in the 403(b) market can be attributable to two factors: school districts willingness to provide additional opportunities for the education of their employees and the advisor community’s creativeness in marketing.
The level...
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The world has been upside down for a year now. Life is creeping back to a semblance of normal, but there are challenges in reopening—which affects the manner in which retirement professionals can contact educators. A panel of experts at a session of the NTSA Winter Virtual conference offered their...
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Tech Talk addresses whether there is a penalty for making a withdrawal from a Roth 403(b) to make a down payment on a house.
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American Retirement Association CEO Brian Graff and a panel of industry experts offered their insights on Feb. 23 on the state of things for the industry regarding activity on Capitol Hill, as well as in the federal regulatory agencies. They made their remarks as part of the NTSA Winter Virtual...
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ESG Investing—that is, investing in a way that is mindful of environmental, social and governance matters and concerns—has been an increasing topic of discussion in recent years. But while it may be a recent development to some, it’s not new to the 403(b) world, reports a recent blog.
How...
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The movement of all or some portion of a participant’s 403(b) account and/ or contract from one employer’s 403(b) plan to another employer’s 403(b) plan. The employee must be a former or current employee of the employer maintaining the accepting plan.
No distributable event is required for this...
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COVID-19, along with the measures adopted to address the pandemic’s effects and the actions taken under those measures, have had unexpected effects—including an impact on plan audits.
The changes that have taken place, as well as the pandemic itself, have affected both plan sponsors and...
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Tech Talk addresses whether a 403(b) plan participant can take the hardship withdrawal from the Roth account if the account has only been open for 2½ years and has not been in existence for more than five years.
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Based on conversations with thousands of employers, surveys and internal data, Fidelity has shared what it views as some of the top employee benefit trends for 2021.
Fidelity found that employers are increasingly viewing benefits in terms of diversity and inclusion and how benefits will serve all...
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Participants benefit if they can choose between multiple 403(b) providers, a recent white paper says.
In “Benefits of Multiple 403(b) Providers: Having a Choice Positively Affects Participant Behaviors,” Edward Kenney and Tali Yarmush of Equitable, with Equitable Research partner Zeldis Research...
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Tech Talk addresses how the most recent year of service should be figured for employees who are part-time or employed only part of the year.
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We now know the settlement terms for one of the first university 403(b) suits—one in which plan fiduciaries prevailed at the lower court, lost on appeal, and then failed to gain a review by the Supreme Court. And, as is increasingly so with cases brought by the law firm of Schlichter Bogard &...
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Tech Talk discusses most recent year of service in the context of 403(b) accounts.
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Tech Talk addresses what includible compensation for the most recent year of service is.
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Greetings and Happy New Year NTSA members, strategic partners and sponsors! I hope your holidays were filled with family, friends, joy and well-earned rest.
As we turn the page on the calendar, new challenges and opportunities await us in 2021. Just like 2020, continuing to thoughtfully and...
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