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Plan Optimization

BY David Levine, JD | 5/15/2023
Innovative solutions hold the potential to improve outcomes for participants. But innovation can be scary in today’s litigious environment. Concepts in the retirement industry come and go — and... Read More
BY NAPA Net Staff | 5/5/2023
What’s happening with employer-sponsored retirement plans and where are current trends headed? Participation and deferral rates, auto enrollment and escalation, hardship withdrawals and loans—it’s... Read More
BY Steff Chalk | 5/5/2023
Having engaged plan fiduciaries who are aware of their roles and responsibilities—and who want to serve in that capacity—is an important key to avoiding litigation and addressing today’s staffing... Read More
BY Ted Godbout | 2/3/2023
Enactment of the SECURE 2.0 Act, ongoing industry innovations, and the aim to provide greater personalization are among the many opportunities that plan sponsors have to align DC plan features,... Read More
BY David Levine, JD | 1/12/2023
Here are four considerations for advisors as the use of plan data in financial wellness solutions evolves. At nearly every conference I attend, there’s a common theme: optimizing participant... Read More
BY Steff Chalk | 1/5/2023
How do plan sponsors approach retaining retirees’ assets in the plan? In any given month, retirement plan advisors and other industry professionals see more research than they can consume. When we... Read More
BY Kent Bartell | 9/9/2022
As target date funds have become more prevalent, however, many advisors are beginning to wonder if there might be an opportunity for improvement. Target date funds were first introduced in the... 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
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