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
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DC Plan Design
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
BY Ted Godbout | 6/15/2022
While retirement readiness has improved over the past two years for many DC plan participants, new data bolsters the case that the chances of achieving retirement readiness are highest when plan... Read More
BY NAPA Net Staff | 6/10/2022
U.S. Treasury Secretary Janet Yellen has weighed in on the notion of including cryptocurrency in retirement plans.
Bloomberg Law reports that, in response to a question about Fidelity’s April 26... Read More
BY Ted Godbout | 6/9/2022
In a testament to the willingness of plan sponsors to implement smart plan design, retirement plan participants broke new savings records in 2021, yet there is still more to be done, according to... Read More
BY Nevin E. Adams, JD | 5/24/2022
The latest academic “dig” against 401(k) plans? Vesting schedules.
More specifically, firms with a combination of high turnover and vesting schedules, which means that workers are leaving behind... Read More
BY NAPA Net Staff | 5/13/2022
Transamerica has announced the addition of emergency savings accounts as a new employee benefit. Through new strategic relationships with Millennium Trust Company and SecureSave, the new... Read More
BY Ted Godbout | 4/29/2022
While it’s fairly well-known that auto-solutions can lead to increased participation and savings, new research finds that adopting the solutions in tandem can lead to even better results. ... Read More
BY NAPA Net Staff | 4/27/2022
Bipartisan legislation backed by the American Retirement Association would allow the expenses associated with plan design changes to be reimbursed from plan assets.
The Increasing Small... Read More
BY Ted Godbout | 4/27/2022
A new survey finds that 6 in 10 U.S. adults who took on student loan debt for their education delayed a major financial decision because of this debt, but Congress may provide some relief with... Read More
BY Michael P. Barry | 4/13/2022
I’d like to start what is likely to be a series of columns on the possibility that we are or may be moving to a provider-based retirement benefit system.
What problems might be solved by... Read More
BY Ted Godbout | 4/11/2022
More 401(k) participants say having ESG options could inspire them to increase their contribution rate, the results of a new survey suggest.
According to Schroders’ 2022 U.S. Retirement... Read More
BY NAPA Net Staff | 3/24/2022
A hot topic of conversation of late has been cryptocurrency—and just as it seemed to be making some inroads on some 401(k) platforms…
…the Labor Department jumped in with something called a... Read More
BY Ted Godbout | 3/21/2022
Employers are eyeing changes to their DC plans in an effort to improve their employees’ retirement security and financial wellbeing and to help with recruitment and retention.
In a survey of... Read More
BY Nevin E. Adams, JD | 3/4/2022
In recent weeks, there has been a lot of discussion (and even some legislative encouragements) toward some new (or, in some cases, not-so-new) plan design considerations. This week we asked readers... Read More
BY Nevin E. Adams, JD | 2/28/2022
In recent weeks, there has been a lot of discussion (and even some legislative encouragements) of some new (or, in some cases, not-so-new) plan design considerations. This week, we’d like to know... Read More
BY Nevin E. Adams, JD | 2/28/2022
A new partnership stands to revolutionize the traditional focus on retirement accumulation with some old-fashioned concepts of education and advice empowered by new technology.
One need look no... Read More
BY Ted Godbout | 2/22/2022
Given that strategies that worked for DC plans in the past may be less successful in the future, it will be critical to incorporate forward-looking market views to keep participants on track, the... Read More
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