Plan Participants
Editor’s Note: ERISA Tips is a feature provided with you in mind — to make the newsletter more useful to you! If you have any content for ERISA Tips or the 403(b) Advisor that you would like to contribute or suggest, please contact John Iekel, editor of the 403(b) Advisor, at jiekel@usaretirement....
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The PBGC, a federal agency created by ERISA to protect participants with benefits within a defined benefit plan, helps guarantee benefits to participants if the employer fails to make the required premiums. In MarketBeat. Kimberly Flett writes about the PBGC’s expansion of its Missing Participants...
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Editor’s Note: ERISA Tips is a feature provided with you in mind — to make the newsletter more useful to you! If you have any content for ERISA Tips or the 403(b) Advisor that you would like to contribute or suggest, please contact John Iekel, editor of the 403(b) Advisor, at jiekel@usaretirement....
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We all have the same goal — providing school employees with access to retirement plans and means to save. In MarketBeat, John Iekel provides a look at a panel discussion on that matter that took place at a Jan. 25 session of the NTSA Summit held Jan. 23-25 in Houston.
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Bipartisan legislation that would allow for electronic delivery of pension and retirement plan information was introduced in the U.S. House of Representatives Dec 11.Introduced by Rep. Jared Polis (D-CO) and Rep. Phil Roe (R-TN), along with 26 cosponsors, the “Receiving Electronic Statements to...
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As concerns about cybersecurity proliferate, a state securities regulator is considering changes that would impose new requirements on financial advisers and broker-dealers.The Colorado Division of Securities is considering a proposal that would require broker-dealers to establish and maintain...
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“I would encourage caution among policymakers when considering dramatic changes to retirement policy for tax policy purposes,” former Sen. Kent Conrad (D-ND) told the Senate Committee on Banking, Housing, and Urban Affairs’ Subcommittee on Economic Policy on April 5.“As tax reform discussions...
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A recent survey finds that most households are rolling their entire retirement plan account balance into an individual retirement account, and that the vast majority claim to have a strategy for managing income and assets in retirement.“The Role of IRAs in US Households’ Saving for Retirement, 2016...
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An heir transfers her deceased uncle’s 403(b) account into her inherited IRA, and would like to roll her own 403(b) into the IRA. In Tech Talk, Ellie Lowder tells us whether she is permitted to do that.
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Every year, the IRS issues thresholds and contribution levels relevant to retirement benefits, as well as their administration and taxation. In MarketBeat, Susan Diehl provides 2017 levels that will be of special interest to those who serve, provide and rely on retirement plans.
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Among the restrictions of the traditional Section 529 qualified tuition programs was their inability to fit into the requirements of long-term services programs for specially-abled individuals. But the ABLE Act, enacted as 2014 came to a close, changed that. In MarketBeat, Sue Diehl discusses the...
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Is a longevity annuity an option at any age? What exactly makes an annuity a longevity annuity? And will longevity annuities be provided for inside the 401(k) platform, or are they an option outside the 401(k)? In Tech Talk, Ellie Lowder answers all these questions.
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The great majority of people face financial stresses of some kind, and that includes retirees. A recent article takes a look at some of the key challenges they face and their impact on retirement benefits.In “Retirees at Risk: Five Key Challenges Retirees Face and the Impact on Their Retirement...
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The 2017 403(b) Masters Summit, to be held Jan. 25-27, 2017 in Carefree, Ariz., features an agenda planned by fellow NTSA members to help make the most of the new frontier and the opportunities it offers. The agenda includes four unique, progressive modules:
Fiduciary NOW! Why Not?
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Ten years ago, the Pension Protection Act of 2006 (PPA) cleared a barrier for some defined contribution retirement plans to offer an automatic enrollment feature. But the PPA left intact state law barriers if a DC plan was not subject to ERISA. In MarketBeat, Linda Segal Blinn discusses how state...
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Your client has a Roth IRA and a Roth 403(b) whose plan document accepts rollovers into the plan. He wishes to roll over his Roth IRA to the Roth 403(b) so as to increase the amount available for loans. In Tech Talk, Ellie Lowder tells us whether he can do that.
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Employer-provided retirement benefits in general are holding steady, according to the Society of Human Resource Management (SHRM). In “2016 Employee Benefits: Looking Back at 20 Years of Employee Benefits Offerings in the U.S.,” SHRM reports that some aspects of employer-provided retirement...
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Top leadership at the Department of Labor (DOL) has indicated that the department will not bend on its fiduciary rule, but then again, it may. Bad cop, good cop?Not entirely. Secretary of Labor Tom Perez and Assistant Secretary of Labor for the Employee Benefits Security Administration (EBSA)...
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As the first-time-ever Prototype/Volume Submitter 403(b) approvals approach, it may be necessary to include counting hours for adjunct professors in a plan’s operations manual, in order to protect the employer in the event of an audit. In MarketBeat, Susan Diehl provides a brief explanation of the...
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“Data security is a team sport.” That’s how FIS Chief Risk Officer Greg Montana summed up cybersecurity efforts at a June 20 session of the SPARK National Conference held in Washington, DC. The panel included not only experts from the private sector, but also Deputy Assistant Secretary for...
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