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DC Plan Design

BY John Iekel | 4/9/2019
The digital age means more than just a universe of information in the palms of our hands. It also means that plans and those who serve them have powerful new tools to facilitate and drive retirement... Read More
BY Nevin E. Adams, JD | 3/26/2019
Ever since passage of the Economic Growth Tax Relief and Recovery Act of 2001 (EGTRRA), individuals who are age 50 or over at the end of the calendar year can make annual catch-up contributions – as... Read More
BY Nevin E. Adams, JD | 3/11/2019
While the so-called “stretch” match has been touted as a mechanism to encourage higher savings rates with no additional cost to the employer, a recent study suggests it has its limits. What’s been... Read More
BY John Iekel | 3/6/2019
Some plan sponsors and administrators “stretch the match” as a way to increase participants’ contributions to their retirement savings accounts. Does the strategy work? A recently released study... Read More
BY Nevin E. Adams, JD | 2/12/2019
As Valentine’s Day approaches, you have perhaps seen those increasingly ubiquitous advertisements for a certain online florist. Now, I’ve used that particular service on many an occasion over the... Read More
BY Ted Godbout | 2/5/2019
Data unearthed from tracking the most common questions employees have about 401(k) plans suggests that the complex nature of such accounts are a bigger barrier to saving than experts realize,... Read More
BY Ted Godbout | 12/12/2018
Employees increasingly are looking to their employers for help with managing their student loan debt, but there are several issues employers should consider in advance, according to industry experts.... Read More
BY Ted Godbout | 11/26/2018
Effective 401(k) plan design features like auto-enrollment and auto-escalation have been shown to increase participation, boost deferral rates and improve investment diversification, but they can... Read More
BY Ted Godbout | 11/13/2018
Mere days after publishing a request for comments on a proposed exemption, the Department of Labor has now issued an advisory opinion (AO) regarding a specific auto portability program.The DOL... Read More
BY John Iekel | 10/29/2018
Just because you can doesn’t mean you should — a premise at the heart of an Oct. 24 session at the 2018 ASPPA Annual Conference that argued for caution in plan design changes, including student loan... Read More
BY Ted Godbout | 9/11/2018
House Ways and Means Committee Chairman Kevin Brady (R-TX) has released the details of his tax reform 2.0 legislation, and it includes significant retirement savings changes, including multiple... Read More
BY NAPA Net Staff | 8/30/2018
[UPDATED Aug. 31, 4:30 p.m. ET]The retirement industry is all abuzz about President Trump’s appearance in Charlotte tomorrow – and about what might be the subject of that executive order “... Read More
BY Ted Godbout | 8/28/2018
While a majority of employers believe that offering a 401(k) plan is important for attracting and retaining employees, some may be underestimating their significance, according to a new study.The... Read More
BY John Iekel | 8/21/2018
The IRS has said that a 401(k) plan can be amended to include a student loan benefit program.In private letter ruling (PLR) 201833012, dated May 22 and released Aug. 17, the employer in question had... Read More
BY Ted Godbout | 7/16/2018
A new study reveals a number of remarkable developments in plan design trends and participant savings behaviors among small business defined contribution plans.In Vanguard’s fifth annual “How America... Read More
BY John Iekel | 7/5/2018
For younger employees, setting aside money for retirement can take a back seat to the more immediate need to pay off student loan debt — a choice that can have long-term consequences. But at Abbott... Read More
BY John Iekel | 5/11/2018
Plan design can influence and equip plan participants to make better choices regarding distribution, a recently released report concludes.In “Design Matters: Plan Distribution Options,” the Defined... Read More
BY Nevin E. Adams, JD | 1/30/2018
It has been heartening in recent weeks to see a number of employers announce plans to expand and increase benefit programs, offer bonuses, and increase the employer match. Better still, a recent... Read More
BY Ted Godbout | 12/13/2017
When it comes to saving for retirement, do employees prefer a “slight nudge” from their employers with helping them save? Or do they want a “kick in the pants”?American Century Investments’ fifth... Read More
BY Ted Godbout | 10/31/2017
As plan sponsors gain a better understanding of the role inertia plays in retirement savings, a new survey finds that an increasing percentage are adopting a higher default auto-enrollment savings... Read More
BY Ted Godbout | 9/22/2017
With statistics showing women having a longer life expectancy and a significant retirement savings gap compared to men, incorporating good DC plan design and financial wellness programs can help... Read More
BY Ted Godbout | 8/3/2017
Adoption of simplified features in Bank of America Merrill Lynch’s proprietary DC plans, along with making education and other resources more accessible, has fueled steady growth in employee... Read More
BY Ted Godbout | 8/2/2017
A new report from the Defined Contribution Institutional Investment Association (DCIIA) contends that leveraging auto features, minimizing money out and helping to eliminate barriers to long-term... Read More
BY Ted Godbout | 7/27/2017
As the evolution of DC plans continue, plan sponsors are shifting from a “traditional view” of offering plans as a recruitment and retention tool to focusing more on participant outcomes, according... Read More
BY Nevin E. Adams, JD | 7/25/2017
I recently wrote about what’s wrong with automatic enrollment. Turns out there’s more – and it has to do with when things actually go “wrong” with automatic enrollment.See, it’s one thing to say that... Read More

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