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Plan Optimization

BY Ted Godbout | 6/14/2018
Many plan sponsors and consultants may be considering customized investment options for their DC plan investment menus, but there are a number of issues to consider before going down that path.A new... 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 NAPA Net Staff | 6/12/2015
Last year, four-in-ten contribution dollars were directed to target-date funds, according to a new report.Eighty-eight percent of plan sponsors recordkept by Vanguard offered target-date funds at... 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 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 | 4/29/2015
Numerous organizations have conducted surveys on compulsory enrollment in retirement plans, and the trends are clear: Automatic plan features work — at least when plan sponsors offer them.... Read More
BY John Ortman | 4/29/2015
Sen. Elizabeth Warren (D-Mass.) announced April 28 that she has launched an investigation into the rewards and incentives that annuity providers offer to brokers and dealers who sell annuities to... Read More
BY NAPA Net Staff | 4/29/2015
Target-date funds continued to receive the majority of new contributions into individuals’ accounts last month, according to the AonHewitt 401(k) Index.In March that meant that $498 million, or... Read More
BY Fred Barstein | 4/24/2015
Custom TDFs are starting to become popular in larger DC plans. But do they make sense for plans with less than $1 billion? According to a report by consultants at Rocaton, the answer is yes, but only... 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 Fred Barstein | 4/22/2015
While most DC plans with more than $5 million allow roll-ins, relatively few participants take advantage of the opportunity to consolidate their DC and IRA accounts as part of the process.According... Read More
BY NAPA Net Staff | 4/20/2015
While most participants say they have heard the terms “contribution rate” (82%) and “vesting” (77%), only half (50%) had heard of target-date funds, even fewer (39%) had heard... Read More
BY Fred Barstein | 4/16/2015
When it comes to analyzing investments, TDFs are different. Yet many people make the mistake of rating them like any other investment. TDFs are different because they are a portfolio of... Read More
BY NAPA Net Staff | 4/9/2015
Morningstar’s 2015 Target-Date Fund Landscape report is out — and the news is good for retirement savings plans. The report notes that the annualized asset-weighted investor return... 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 NAPA Net Staff | 4/6/2015
A growing number of employers report that their nonqualified deferred compensation plans are offered “to provide a vehicle for retirement savings.”The ninth annual MullinTBG/PLANSPONSOR... Read More
BY John Ortman | 3/24/2015
Americans are currently saving about 50% of the extra money in their pockets resulting from lower energy prices. But don't expect that to last long, advises Fidelity's Claus te Wildt. "... Read More
BY John Iekel | 3/23/2015
Tips on how best to serve clients with target-date funds were the focus of a March 23 session at the 2015 NAPA 401(k) Summit.PIMCO Executive Vice President and National Retirement Sales Manager Sean... Read More
BY Rocco DiBruno | 3/18/2015
In 1985, Back to the Future, starring Michael J. Fox and Christopher Lloyd, was a box office hit. Fox’s character, Marty McFly, went back in time to 1955 when his parents were in high school,... 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 Fred Barstein | 3/9/2015
A recent Reuters article says that assets in collective investment trusts, or CITs, are “surging” as asset managers are using them to “slash” fees, especially in DC plans.... Read More
BY Michael Bushnell | 3/2/2015
When Callan Associates surveyed plan sponsors in early 2014, more than a third of the respondents said they would make changes to their target date funds during the coming year. The firm’s just... Read More
BY Jerry Bramlett | 2/25/2015
In his 2000 book, Irrational Exuberance, Robert Shiller, the Nobel Prize winning economist and Yale University professor, warned of high stock prices just before the collapse of the tech bubble. In a... Read More
BY Nevin E. Adams, JD | 2/24/2015
Over the course of my career, I’ve had the opportunity to participate in any number of “projects,” and to manage more than a few.  Some were explicitly tagged as such at the start, while... Read More
BY Fred Barstein | 2/23/2015
While many see target date funds as a blunt instrument, assuming that all people set to retire within a five-year window have the same investment goals, most would also agree they are a better... Read More