Retirement

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  • The retirement readiness battle: Baby boomers vs. Gen X

    August 20, 2014

    When they leave the workforce, Generation X may be in a similar, not worse, retirement situation than baby boomers given their access to automatic enrollment in defined contribution plans and the growth of their future plan contributions, according to the Employee Benefit Research Institute.


  • What plan sponsors need to know about money market fund changes

    August 19, 2014

    The U.S. Securities and Exchange Commission recently adopted amendments to the rules that govern money market mutual funds. Two of the changes could affect how you manage your 401(k) plan.


  • What should retirement plan services cost?

    August 19, 2014

    Commentary: When the discussion about retirement plan costs focuses too heavily on fees, Blogger Aaron Friedman says it's up to advisers to demonstrate the value employers receive in return for the price they pay.


  • Oregon looks to establish state-run retirement plan for private sector workers

    August 18, 2014

    Oregon’s Retirement Savings Task Force is calling on the state to create a retirement fund that would be available to all employed state residents that will follow Oregonians as they transition between jobs.


  • Revisiting missed or late retirement plan deposits

    August 15, 2014

    Commentary: Retirement specialist John Ludwig reviews the consequences of an employer’s failure to make timely deposits to a participant’s retirement account.


  • Fourth Circuit decision spells more uncertainty for retirement plan fiduciaries

    August 14, 2014

    Coming on the heels of the U.S. Supreme Court’s Dudenhoeffer decision, which eliminated a pro-fiduciary presumption with respect to company stock holdings in qualified retirement plans, the Fourth Circuit issued a decision last week that could cause even more unrest for plan fiduciaries.


  • De-risking trend redefining the global pension market

    August 14, 2014

    Commentary: On July 4, 2014, the trustees of the BT Pension Scheme in the U.K. announced a record-breaking longevity risk transfer transaction that will provide long-term protection and income to the pension scheme in the event that members live longer than expected.


  • Retirement plan sponsors post modest returns

    August 12, 2014

    Corporate pension plan sponsors posted a median 4% return in the second quarter, thanks in part to their U.S. equity allocations.


  • 5 reasons to reconsider active management

    August 12, 2014

    We all know how markets have traded most of the time since the 2008 crash. One day everything is moving up in value, the next everything is falling. But things are changing.


  • Fiduciary responsibility: 4 areas to watch

    August 8, 2014

    Benefit plan documents should be reviewed regularly with the plan’s third-party administrator. While a plan’s TPA can assist employers in meeting regulatory requirements, it is important to define the roles and responsibilities of the plan sponsor, who is ultimately responsible for implementing plan policies and procedures.


  • Guardian launches new tool to assess employers’ fiduciary awareness

    August 7, 2014

    The Guardian Insurance & Annuity Company on Wednesday launched The Fiduciary Awareness Quiz, a first-of-its kind assessment to help plan sponsors better understand their fiduciary obligations and responsibilities.


  • Get started now on 401(k) plan changes for 2015

    August 5, 2014

    From fees and features to funds and fiduciaries, there's lots to consider when reviewing your 401(k) plan.


  • Form 5500 filings: Where’s the beef?

    August 4, 2014

    Commentary: Benefit advisers should help educate 403(b) plan sponsors about appropriate Form 5500 compliance before the DOL takes enforcement action, the Principal Financial Group's Aaron Friedman says.


  • How IRAs can help employees prepare for retirement

    July 30, 2014

    As employers try to figure out how best to prepare their workforces for retirement, experts in the benefits and investment industries recommend that an individual retirement account – either the traditional or Roth version – can be a good complement or standalone option for an employee’s retirement path.


  • Which type of fiduciary should plan sponsors hire?

    July 29, 2014

    Making the choice between TPAs serving as 3(16) fiduciaries or going with retirement planning advice in a 3(21) or 3(38) can help make financial management of a 401(k) plan go more smoothly.


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