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Plan Health

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
BY Fred Barstein | 5/19/2015
The retirement industry has held out plan outcomes as the holy grail of the DC market. It has been said that whoever can improve outcomes, whether advisor, record keeper or money manager, and has the... Read More
BY Michael Bushnell | 4/23/2015
Taking a risk is supposed to be a good thing in business. But many plan sponsors would rather say “if it ain’t broke, don’t fix it,” than make an effort to improve their... Read More
BY NAPA Net Staff | 4/8/2015
While industry pundits (and many advisors) continue to tout the prudence, if not necessity, of retirement plan lifetime income options, current trends don’t appear favorable, according to John... Read More
BY Michael Bushnell | 3/12/2015
Just 2% of all gainfully employed respondents in a recent survey said they would cash out their DC plan’s balance if they switched jobs, but in reality, 45% of all transitioning workers do so.... Read More
BY NAPA Net Staff | 1/28/2015
Despite double digit returns for equities last year, the cost of retirement income for 55-year-olds rose dramatically, according to BlackRock’s CoRI indexes. In 2014, the estimated cost of... Read More
BY NAPA Net Staff | 12/30/2014
Milliman has compiled a list of 10 ideas plan sponsors can adopt in order to improve their retirement plans — and perhaps make it a bit easier on their plan advisors as well: Create... Read More
BY NAPA Net Staff | 10/3/2014
A new survey indicates that a growing number of plan sponsors are at least thinking about more customized investment options for their DC plan menus. Still, according to preliminary results... Read More
BY NAPA Net Staff | 9/10/2014
A new analysis explains that, while each situation is unique, most employers tend to take one of three broad approaches in moving to a DC-only environment. The report can serve as a roadmap... Read More
BY Nevin E. Adams, JD | 9/3/2014
Earlier this summer the Treasury Department issued new regulations encouraging longevity insurance within DC plans and IRAs — but will that make a difference?   A recent blog post... Read More
BY Fred Barstein | 9/2/2014
Many people are gambling with their retirement, not saving enough and hoping that things will work out. But some credit unions and nonprofits are taking a different approach to induce savings... Read More
BY John Iekel | 8/28/2014
Eastman Kodak, one of New York State’s major employers, has changed its retirement plan in a rather unorthodox way. Kodak still offers both a defined contribution plan and a defined... Read More
BY NAPA Net Staff | 8/7/2014
Maryland Gov. Martin O’Malley (D) has named the members of a panel charged with finding “…ways to better secure retirement savings for private-sector employees in Maryland.... Read More
BY Nevin E. Adams, JD | 8/6/2014
A few months back, I was intrigued to catch several episodes of “Cosmos,” an updated version of the classic 1980 Carl Sagan series.  Along with the significantly expanded and... Read More
BY John Adams | 8/5/2014
Lincoln Financial Group’s Retirement Plan Services business has promoted Jason Key to head of business development for its Institutional Retirement Distribution team. Previously Lincoln’s... Read More
BY John Ortman | 8/4/2014
So this year’s estimate of when the Old Age, Survivors and Disability Insurance (OASDI) trust fund will run out of money is 2033, the Social Security trustees reported July 28 — roughly... Read More
BY John Iekel | 7/24/2014
It’s easy for inertia to take over when financial decisions have to be made, especially when it comes to investment choices in a 401(k) plan. In “Using Re-enrollment to Improve... Read More