Retirement

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  • The underserved market in retirement advising

    October 31, 2014

    Commentary: The kind of intense research that goes into, say, a television purchase is missing from a major market—and retirement advisers should take notice of this opportunity.


  • Stockton bankruptcy plan protects employee pension rights

    October 31, 2014

    The embattled California city has negotiated a deal to exit bankruptcy without neglecting its obligations to the state's public employee retirement system, avoiding a $1.6 billion termination fee.


  • 10 scary mistakes that could trigger a 401(k) plan audit

    October 31, 2014

    ERISA can be a complicated law to navigate, especially for companies that don’t have access to internal resources who understand the inner workings and compliance issues of 401(k) plans. Pay close attention to these 10 items to avoid catching the eye of the DOL.


  • Boeing, The Hartford offer lump sums to reduce pension liabilities

    October 30, 2014

    As more and more employers analyze their ever-growing pension obligations, Boeing and Hartford Financial Services Group are the latest companies to use the lump-sum payment tactic to limit their liabilities.


  • Advisers see greater employer interest in financial wellness

    October 29, 2014

    Benefit brokers say employers are more and more looking toward financial wellness programs to assist employees saddled with increased health care costs.


  • 401(k) participation up, retirement health care savings still fall short

    October 29, 2014

    The number of employees participating in employer-based retirement plans increased in 2013 for the first time in several years, pointing to a national economy slowly mending itself and an increasing employment rate in the aftermath of the recession, the Employee Benefit Research Institute says.


  • 6 ways 401(k) plan participants can make active management work for them

    October 29, 2014

    A passive portfolio management approach is appropriate for many 401(k) plan participants and individual investors. But indexing isn’t right for everyone.


  • Experts debate 40 years of ERISA successes and pitfalls

    October 28, 2014

    Four decades after its introduction, the Employee Retirement Income Security Act has done much to help American workers create a small sense of financial security as they ponder their post-working years.


  • DOL provides safety guidance for plan sponsors seeking annuity-funded retirement plans

    October 28, 2014

    Alongside the IRS’ announcement last week to increase contribution caps to 401(k) plans, the Department of Labor issued guidance that will ease plan sponsors’ abilities to offer annuities as part of their retirement plans.


  • Have we done retirement plan participants a disservice?

    October 28, 2014

    Commentary: Columnist John Ludwig asks, with all the effort put into fee disclosures and the money to produce them; does it really help the participant in the end?


  • IRS increases allowable 401(k) contribution levels

    October 24, 2014

    Thanks to new cost-of-living adjustments, the Internal Revenue Service is allowing the American workforce to save a bit more in their retirement plans next year.


  • 10 mistakes that may trigger a 401(k) plan audit

    October 21, 2014

    Earlier this year, the Employee Benefits Security Administration at the U.S. Department of Labor, outlined initiatives to educate and protect 401(k) plan participants. Along with those initiatives comes an increased risk of a DOL audit for companies that don’t take the necessary steps to ensure their benefit plans are compliant and being properly administered for their employees.


  • Market volatility: 5 things to tell 401(k) plan participants

    October 21, 2014

    Volatility has returned to the equity markets with a vengeance. The Dow Jones Industrial Average has fluctuated by hundreds of points on many recent trading days. During these times your 401(k) plan participants can become very nervous.


  • Why employees undervalue equity awards and how to fix it

    October 20, 2014

    With companies granting over $110 billion in equity each year to employees, the stakes are very high for employers to demonstrate a strong return on investment from their equity compensation plans. And yet, there appears to be a disconnect in how these companies and their employees perceive equity awards.


  • Women and retirement: best practices for plan sponsors

    October 16, 2014

    What's keeping female employees from getting more deeply involved in their own retirement savings? Better plan design and more personalized communications can help offset women's reluctance - or perceived financial inability - to help make savings plans.


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