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DC Plan Design

BY Ted Godbout | 5/3/2023
While the SECURE Act and SECURE 2.0 seek to make it easier for small businesses to offer a retirement plan, many employers that do not offer coverage still appear to be clinging to the same reasons... Read More
BY NAPA Net Staff | 4/28/2023
Transamerica announced that the company will provide recordkeeping and 3(16) plan administration services for a new pooled employer 401(k) retirement plan solution from Smart Retirement Solutions Inc... Read More
BY John Iekel | 4/27/2023
Automatic features served retirement plans—and participants—well in 2022, according to a recent report.  In its 2023 Reference Point Annual Benchmarking Report, which concerns... Read More
BY John Sullivan | 4/26/2023
New research put stark numbers to the retirement savings coverage gap for communities of color. Voya Financial uncovered striking differences in overall workplace retirement plan participation,... Read More
BY John Sullivan | 4/11/2023
The United States has the most liquid retirement savings system among developed countries, and participants take full advantage, a problem for long-term saving and accumulation, which is the system’s... Read More
BY Nevin E. Adams, JD | 3/7/2023
This weekend most of America will undergo a rather painful change. I’m talking about the legally mandated move to Daylight Saving Time (for most of us). That’s right, at 2 a.m. on March 12, clocks... Read More
BY Todd Kading | 3/1/2023
You can lead a horse to water, but you can’t make it drink. But when it comes to retirement savings, there is a way—automatic enrollment. And a new plan design is growing in popularity with plan... Read More
BY Ted Godbout | 2/9/2023
While average account balances decreased by 20% in 2022, participant behavior in retirement plans mostly remained positive, as most continued to maintain a long-term view on their retirement savings... Read More
BY John Sullivan | 2/6/2023
A decade after implementing Britain’s auto-enrolled pension system shows an increase in total savings, and many employers are going beyond stipulated minimum contribution rates.  “... Read More
BY NAPA Net Staff | 12/13/2022
Benefits have long been a powerful recruiting and retention tool, and in the midst of a tight labor market, the Plan Sponsor Council of America’s 65th Annual Survey of 401(k) and Profit Sharing Plans... Read More
BY Ted Godbout | 12/7/2022
As the economic climate becomes more complex, plan design has emerged as a differentiator to help drive employee enrollment and support the company’s talent strategy, according to new research.... Read More
BY Nevin E. Adams, JD | 10/21/2022
You may have missed the headlines, but in recent weeks a couple of employers have announced the suspension of their 401(k) matches. What are NAPA-Net readers hearing and seeing? While there... Read More
BY Nevin E. Adams, JD | 8/26/2022
Automatic enrollment has been an integral part of retirement plan designs for some time now—and yet while common, it’s hardly ubiquitous—and with legitimate reasons. This week we asked readers how—... Read More
BY Nevin E. Adams, JD | 8/22/2022
Automatic enrollment has been an integral part of retirement plan designs for some time now—and yet while common, it’s hardly ubiquitous—and with legitimate reasons. Is it “active” in your... Read More
BY Ted Godbout | 8/3/2022
With the nation’s population of retirees growing exponentially, a new white paper suggests that DC plan design must evolve to meet the needs of this growing demographic. One fundamental way DC... Read More
BY Ted Godbout | 8/2/2022
With the nation’s population of retirees and growing exponentially, a new white paper suggests that DC plan design must evolve to meet the needs of this growing demographic. As such, a fundamental... Read More
BY NAPA Net Staff | 7/25/2022
Last week we asked NAPA-Net readers to weigh in on a provision in the Enhancing American Retirement Now (EARN) Act that would permit treating employer contributions as after-tax Roth... Read More
BY Nevin E. Adams, JD | 7/22/2022
One of the revenue-raising provisions currently in the Enhancing American Retirement Now (EARN) Act is a provision that would permit an employee to elect to treat employer matching and other employer... Read More
BY Nevin E. Adams, JD | 7/18/2022
One of the revenue-raising provisions currently in the EARN (Enhancing American Retirement Now) Act is a provision that would permit an employee to elect to treat employer matching and other employer... Read More
BY Ted Godbout | 7/6/2022
The Congressional Research Service has issued a concise synopsis of the current policy developments surrounding the inclusion of cryptocurrency in DC plans.   The CRS, which serves as... Read More
BY NAPA Net Staff | 7/6/2022
There’s a lot going on in Washington—big movements in the Senate and in the House—and bipartisan.  So, what’s in those bills? And what’s this “auto-portability”? Nevin (Adams) and Fred (... Read More
BY John Iekel | 7/5/2022
Proponents of automatic features for DC plans have long argued that they boost participation and savings rates, and a recent study confirms that belief.  “Automatic enrollment in employer‑... Read More
BY Nevin E. Adams, JD | 6/21/2022
So, how many 401(k) accounts do you have? At the moment, I have four—one from each of the employers in my career (including this one), all except the first one (that one went for law... Read More
BY Ted Godbout | 6/16/2022
The debate over including cryptocurrency in retirement plans continued this week, as the Labor Department now appears ready to up the ante and a key lawmaker on Capitol Hill is asking questions.... Read More
BY Nevin E. Adams, JD | 6/16/2022
Bipartisan legislation introduced in the U.S. Senate June 15 seeks to stem retirement plan leakage, backing auto-portability and a tax credit for adopting employers.  The Advancing Auto... Read More

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