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Plan Health

BY NAPA Net Staff | 9/10/2018
Since 1999, written investment policy statements have become far more common. Severe equity market downturns, along with litigation alleging that participants experienced disproportionate losses from... 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 David Hilton | 10/3/2017
While hacks at Equifax and the Securities and Exchange Commission have dominated the headlines, over the past several weeks, hackers have been attempting – and in at least one case had success – in... Read More
BY John Iekel | 10/2/2017
A recent Tax Court ruling provides a reminder of the importance of verifying that a repayment of a plan loan has actually been made.The ruling, Louelia Salomon Frias v. Commissioner, TC Memo 2017-139... Read More
BY NAPA Net Staff | 3/10/2017
Many things can go amiss in the administration of a 401(k) plan – here are three common errors as told by employee benefit plan auditors.Incorrect Definition of Eligible CompensationAccording to a... Read More
BY NAPA Net Staff | 5/19/2016
There are any number of actions (or non-actions) that can cause problems for retirement plan fiduciaries, but a plan compliance review can help head off future problems, according to a new analysis.... Read More
BY Nevin E. Adams, JD | 5/10/2016
During my recent vacation, I had the chance to check in with some “real” people about their retirement accounts.As I’m sure is the case for many of you, when it comes to my family, I am the de facto... Read More
BY John Iekel | 5/6/2016
Increasingly, a 401(k) plan’s digital platform — both website and mobile — is becoming participants’ main point of contact with the plan, upping the ante on the quality and efficiency of the user... Read More
BY Nevin E. Adams, JD | 5/3/2016
Every so often someone puts out a list of what are said to be the “best” 401(k) plans, based on varied benefits and plan design structure criteria. But for my money, here’s what the best plans do.... Read More
BY NAPA Net Staff | 4/11/2016
The short answer – is yes.A recent blog post by Jackson Lewis’ Randal Limbeck notes that not only is it imperative that forfeitures be handled properly, but that he is aware of situations where... Read More
BY NAPA Net Staff | 4/11/2016
A new white paper outlines some best practices for constructing an effective plan lineup. Not surprisingly, it begins with knowing what you intend that menu to achieve.The white paper, by Vanguard’s... Read More
BY NAPA Net Staff | 3/3/2016
Looking for a way to improve participant portfolio diversification and fees? How about reenrollment?A new report by Vanguard, “Reshaping Participant Outcomes Through Reenrollment,” examines the... Read More
BY Fred Barstein | 2/22/2016
Collective investment trusts, or CITs, are making a strong push into DC plans — and not just larger ones. Research shows that CITs have increased 68% in DC plans since 2008, topping $1.5 trillion.... Read More
BY Nevin E. Adams, JD | 1/19/2016
This is the time of year when resolutions for the cessation of bad behaviors and the beginning of better ones are in vogue. Here are mine for plan sponsors. Put your fund menu on a diet.Though it is... Read More
BY Nevin E. Adams, JD | 10/27/2015
Working with retirement plans is a complicated, challenging, and constantly changing process. That said, there are certain constants — and things that bear repeating and/or reconsidering from time to... Read More
BY Michael Bushnell | 10/8/2015
Plan leakage is a major roadblock to achieving broad retirement readiness, with 45% of DC participants cashing out their plan balances upon leaving their job, according to one report. There are many... Read More
BY Michael Bushnell | 9/30/2015
As more businesses transition from DB plans to 401(k)s, it’s getting harder for employers to project when their retirement-age workers will actually walk away from the job.Writing in the most recent... Read More
BY Michael Bushnell | 8/12/2015
Index strategies are growing in popularity as an alternative to active plan management, says BlackRock’s Chip Castille — but investors who think of index vs. active as an either/or decision are... Read More
BY Michael Bushnell | 8/5/2015
Ascensus finds that a number of best-practices for optimizing retirement savings are becoming more popular among clients on its recordkeeping platform.Ascensus reported a three percentage point... Read More
BY Nevin E. Adams, JD | 8/3/2015
By most industry estimates, approximately 10% of plans change providers every year.  Of course, far more consider making a change (without actually acting on it), and many changes are thrust upon... Read More
BY Nevin E. Adams, JD | 7/14/2015
There are a lot of big and complicated decisions associated with running a retirement plan. And then there are the “little” ones that turn out to be not-so-little, and far more common than you might... Read More
BY NAPA Net Staff | 7/13/2015
Would your plan sponsor clients like to know what the IRS looks for in plan documents? Here’s a list.Specifically, the Internal Revenue Service recently published a bundle of subject matter packages... Read More
BY Nevin E. Adams, JD | 6/2/2015
The headlines are all about revenue-sharing, conflicts of interest and statutes of limitation — but the things that are likely to get plans and plan sponsors in trouble are a lot more mundane.Here... Read More
BY Nevin E. Adams, JD | 5/28/2015
If a retirement plan overpays benefits, does it have a fiduciary obligation to recover the money?Turns out the IRS has issued a Revenue Procedure (Rev. Proc. 2015-27) on the subject — and, along with... Read More
BY Michael Bushnell | 5/21/2015
Studies show that more than 40% of workers cash out their DC plan balances when they leave their employer. In the Spring 2015 issue of NAPA Net the Magazine, Warren Cormier explores some reasons why.... Read More