Newsletters

Participant Memo: Summer Homework Assignments

Participant Memo: Summer Homework Assignments

We know you are ready for summer! But how’s your retirement plan doing? Summer can serve as a preview of your retirement — long days in the sun and spending time with your loved ones! So, what better time to do a routine check-up on your retirement plan! Protect your...

Have You Met Your Match? 

Have You Met Your Match? 

Just how important is a 401(k) match to your employees? It appears to be top of mind, according to Principal’s 2021 Retirement Security Survey. The study’s results show that the match matters most, as the top retirement plan considerations of survey participants when...

5 Ways You Can Benefit from Partnering with a Retirement Plan Advisor

5 Ways You Can Benefit from Partnering with a Retirement Plan Advisor

From decoding key ERISA regulations to keeping abreast of fees and providing educational support to workers, there are many responsibilities that sponsors possess. Some business owners even forgo offering a 401(k) to their employees because they fear they don’t have...

Safe Harbor Options

Safe Harbor Options

401(k) plans are intended to provide comparable advantages for all employees, and there are numerous safeguards in place to make sure their benefits are allocated equitably. U.S. regulatory measures ensure that a company’s plan does not disproportionately benefit some...

Participant Memo: Beneficiary Designations

Participant Memo: Beneficiary Designations

Who will get your money? Although not a pleasant topic, it is an important one – Who is the named beneficiary of your retirement account should you pass away? When you enrolled in your retirement plan, you were asked to select a beneficiary to receive your retirement...

Is Participant Choice a “Get Out of ERISA Court Free Card”?

Is Participant Choice a “Get Out of ERISA Court Free Card”?

Finally, something everyone could agree on — at least on the Supreme Court of the United States. The question before the court in Hughes v. Northwestern University was the plausibility of a breach of fiduciary duty claim stated by current and former participants in...

PEPs Revisited with Reproposed IRS Rule

PEPs Revisited with Reproposed IRS Rule

The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 enables two or more businesses to form a pooled employer plan (PEP) regardless of whether they’re related by industry, location or other association. In essence, the act created a new type...

Behavioral Finance and Plan Design: Four Ways to Boost Participation

Behavioral Finance and Plan Design: Four Ways to Boost Participation

Though many employees are aware that behaviors such as enrolling in and contributing sufficiently to their company 401(k) can help them prepare for a successful retirement, too often they fail to develop the necessary saving and investing habits. One reason for this...

Participant Memo: Millennials:

Participant Memo: Millennials:

Millennials – The Time to Start Saving is Now! Typically, younger people don’t make retirement savings a priority. Living expenses, student debt, rent or house payments, and other day-to-day expenses mean that retirement savings take a back seat. In fact, research...

Fee Litigation with an Odd “Twist”   

Fee Litigation with an Odd “Twist”  

A recent class action lawsuit highlights an often neglected but important item of fiduciary concern. The plaintiffs in this case have asserted claims for breach of the fiduciary duties of prudence and failure to monitor fiduciaries. Nothing new so far, but in addition...

This communication is strictly intended for individuals residing in the states of FL, GA, MA, and SC. No offers may be made or accepted from any resident outside the specific states referenced.

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