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Plan sponsors have been inundated with notices and disclosures which must be distributed to plan participants and beneficiaries on a periodic basis. Both the Treasury and the Department of Labor (“DOL”) understand that the ability [...]

The U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) is committed to protecting employee contributions to 401(k) and other defined contribution plans. As part of this commitment, they want to ensure that employee elective [...]

  One of our favorite holidays is right around the corner. The Plan Sponsor Council of America (“PSCA”) has celebrated National 401(k) Day four days following Labor Day since 1996. This year National 401(k) Day will [...]

All too often, the sponsor of a 401(k) or 403(b) plan discovers that elective deferral contributions were not deducted from the pay of an eligible employee(s) which results in what the IRS calls a “missed [...]

TRENDS IN ENROLLMENT + RETIREMENT READINESS Retirement Readiness is among the top concerns of many Americans. Most advisors agree that we should be saving between 10% and 15% of our annual earnings in order to [...]