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DC Plan Design

BY Nevin E. Adams, JD | 7/19/2016
It’s hard to believe, but the Pension Protection Act of 2006 will be a decade old next month. And it’s probably done more good for the nation’s retirement security than most realize.The PPA drew its... Read More
BY NAPA Net Staff | 7/18/2016
A recent report by the Defined Contribution Institutional Investment Association (DCIIA) highlights four myths about automatic enrollment.Myth 1: A 3% default is common, so it must be good.DCIIA... Read More
BY NAPA Net Staff | 7/6/2016
Today’s plan advisors have a huge opportunity to rethink the design of the corporate sponsored retirement plan in a way that will work in parallel with many companies’ financial wellness goals, says... Read More
BY Andrew Remo | 6/22/2016
The Senate Special Committee on Aging held a hearing on June 15 to examine ways to leverage prizes and technology to influence savings behavior. The hearing featured testimony from Catherine... Read More
BY NAPA Net Staff | 5/24/2016
The impact of the Department of Labor’s May 18 rule revising the federal overtime rules may not be confined to HR and payroll — retirement plan administrators and service providers may be affected as... Read More
BY Fred Barstein | 5/20/2016
One of the key elements of the so-called “ideal” DC plan, along with auto-enrollment and auto-escalation, is the stretch match. A relativity new concept, very few plan sponsors are using it — which... Read More
BY Nevin E. Adams, JD | 2/19/2016
A new survey asks what appears to be a rhetorical question.The report, a 2016 Defined Contribution Outlook from SEI based on survey responses of 231 executives representing plans in a wide range of... Read More
BY Nevin E. Adams, JD | 2/16/2016
For all the good press and positive results that automatic enrollment gets, one might well expect that every plan would embrace it. And yet today, nearly a decade after the passage of the Pension... Read More
BY NAPA Net Staff | 2/10/2016
A second lawsuit over a patent on the concept of auto enrollment, as well as contribution acceleration and defaulting into target-date funds, has come to a screeching halt. The lawsuit claimed that... Read More
BY Fred Barstein | 1/19/2016
Plan sponsors have moved from DB to DC plans to escape the funding liability, but that liability may be back in DC plans.The term “DB-ization” of DC plans seemed very positive when I first heard it.... Read More
BY Nevin E. Adams, JD | 11/3/2015
A frequent commentary on today’s plan designs is that they are more focused on accumulation than the eventual spend-down of those savings. It’s said that defined contribution plans too often not only... Read More
BY Nevin E. Adams, JD | 9/15/2015
There is frequently a difference between doing all that the law requires of a plan sponsor and doing everything that could be done.Here are five things that plan sponsors don’t always do — but should... Read More
BY Fred Barstein | 8/27/2015
There’s been a lot of discussion recently about whether the "ideal plan" is realistic. Based on the percentage of small and mid-size plans, where the most help is needed, using all aspects of the... Read More
BY Michael Bushnell | 8/19/2015
As DC plans continue to be prevalent in the retirement plan market, 401(k) professionals should consider investment alternatives that have long been popular in DB plans, according to David Kupperman... Read More
BY Nevin E. Adams, JD | 8/11/2015
Advisors and providers often talk about the “ideal” plan — but ideal for what?That’s a rhetorical question of sorts — generally it means “ideal” in terms of providing a better retirement savings... Read More
BY Michael Bushnell | 8/5/2015
In the aftermath of the 2003 Medicare Modernization Act, plan advisors should be structuring plans so that future retirees can save for retirement without exposing themselves to potentially crippling... Read More
BY NAPA Net Staff | 7/29/2015
A new study reveals that an employer-sponsored retirement plan match can more than double average annual plan participant savings — especially for moderate-income households.According to the Hearts... Read More
BY Nevin E. Adams, JD | 7/17/2015
Democratic presidential aspirant Hillary Clinton has rolled out a plan designed to encourage more businesses to adopt profit-sharing plans.Under Clinton’s “Rising Incomes, Sharing Profits” proposal,... Read More
BY Nevin E. Adams, JD | 7/15/2015
A new study casts a shadow on the positive impacts of automatic enrollment, finding that automatically enrolled older workers receive less in annual total contributions.The study, based on data for... Read More
BY Nevin E. Adams, JD | 7/10/2015
Among the respondents to this week’s NAPA Net reader poll, roughly 55% said that fewer than 10% of their plan sponsor clients had an option for participants to choose installment payments as a... Read More
BY Fred Barstein | 6/23/2015
After 100 educational programs conducted by The Plan Sponsor University (TPSU) in a little over two years, it’s clear that few if any plans have adopted the “ideal plan” — even though the benefits... Read More
BY Fred Barstein | 6/22/2015
When a new employee joins a company and is automatically enrolled, he or she starts at the plan’s default deferral rate, which can be as low as 3%. The problem is that many new employees may have... Read More
BY NAPA Net Staff | 6/10/2015
A new lawsuit claims that the auto enrollment concept — as well as contribution acceleration and defaulting into target-date funds — has not only been patented, but the owner is seeking damages for... Read More
BY Fred Barstein | 6/2/2015
At The Plan Sponsor University (TPSU), the final session of our program is designed to engage groups of mostly small and mid-size plan sponsors to create the “ideal” 401(k) plan.Almost all of the... Read More
BY Fred Barstein | 5/29/2015
While there has been plenty of discussion about roll-ins and much concern expressed over cash-outs, little has been done to change things or understand why. To get a better understanding, Retirement... Read More