Q3 2025 – Plan Sponsor Newsletter: Plan Design Considerations Edition
Retirement plan rules are changing, and we are here to keep you informed and updated. Here’s what you need to know: Plan Provisions & SECURE Act 2.0: Automatic enrollment, Roth options, student loan matching, and more. Is your plan designed for today’s workforce? Retirement Readiness: Employees need simple, helpful education to make confident choices. How […]
3 Plan Health Essentials: Forfeitures, Missing Participants, and Force-Outs
A strategic look at your 401(k) plan’s health Ever looked at your company’s 401(k) plan and spotted the name of an old colleague? It takes you down memory lane—you pause and think, “I wonder how they’re doing?” That familiar name may trigger a harmless moment of nostalgia. But it could be a signal for something […]
Retirement Readiness Starts Now: Helping Employees Plan with Confidence
For almost a century, collective investment trusts (CITs) have played an important role in the markets. They were originally introduced in 1927.
Employee Education: Pre-retirement Savings Guide
For almost a century, collective investment trusts (CITs) have played an important role in the markets. They were originally introduced in 1927.
6 Trending Plan Provisions: What’s New and What to Know
For almost a century, collective investment trusts (CITs) have played an important role in the markets. They were originally introduced in 1927.
Three Tax Tips that Can Help as You Approach or Begin Retirement
Retirement is a whole new phase of life. You’ll experience many new things, and you’ll leave others behind – but what you won’t avoid is taxes. If you’ve followed the advice of retirement plan consultants, you’re probably saving in tax-advantaged retirement accounts.
The Risk of 401(k) Lawsuits: It Can Happen to Them…
When a giant organization with extensive resources gets sued for alleged ERISA compliance failures — especially if the organization’s own service offerings include reviewing for such violations — that could very well be the canary in the coalmine for all other, lesser endowed firms. And that’s perhaps the key takeaway for plan sponsors in light of a complaint filed late last year against KPMG for an alleged fiduciary breach.
No Beneficiary Designation. Who Gets The Money?
According to a recent Wall Street Journal article, retirement plans and IRAs account for about 60 percent of the assets of U.S. households investing at least $100,000.¹ Both state and federal laws govern the disposition of these assets, and the results can be complicated, especially when the owner of the account has been divorced and remarried. Therefore, it is important for plan fiduciaries of qualified retirement plans to understand their role regarding beneficiary designations and the regulations that dictate.
5 Ways to Increase Retirement Plan Participation
Employees fail to enroll in their retirement plan for a variety of reasons. They may be intimidated if it’s their first time around or they might not fully understand and appreciate the benefits (or the downside of not participating).
6 Ways to Reduce Fiduciary Liability
In 2020, nearly 100 lawsuits alleging breach of fiduciary duty were filed. And with the number of 401(k) lawsuits on the rise targeting plans both large and small, sponsors are well-advised to consider taking additional measures to mitigate fiduciary risk where practicable. Here are a few to consider.